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MASSACHUSETTS. 



A. 



Return as Soon as Used, 









2 i&£ i \ * 



Wn n P 

A; '1894 



3&% \ v \b 
15-9 <0 



TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory, v 

Companies authorized during 1893, vi 

Companies withdrawn during 1893, vi 

Fire Losses in Massachusetts during the Year, vii 

The Startling Amount of Fire Losses, x 

Shorter Term for Fire Policies, xii 

Fire Losses and Causes xiii 

Need for a State Fire Marshal, xv 

Finances of the Department, xvii 

Comparative Tables, xix 

Massachusetts Mutual Fire Insurance Companies: 

Comparative Table A xxi 

Massachusetts Mutual Marine Insurance Companies: 

Comparative Table B, xxii 

Massachusetts Joint-Stock Insurance Companies: 

Comparative Table C, xxiii 

Insurance Companies of Other States: 

Comparative Table D, xxiv 

United States Branches of Foreign Insurance Companies: 

Comparative Table E, xxv 

Aggregates of all the Companies, xxvi 

Massachusetts Business : 

Comparative Table F, xxvii 

Comparative Ratios, xxvii 

Table G. — Fire risks written, premiums received and losses incurred in 

Massachusetts, xxviii 

Statistical Tables, xxix 

Massachusetts Mutual Fire Insurance Companies: 

Table I. — Risks, assets, liabilities and surplus, xxx 

Table II. — Gross cash income and expenditures, premiums, losses and 

expenses, xxxii 



iV TABLE OF CONTENTS. 

PAGE 

Massachusetts Mutual Marine Insurance Companies : 

Table III. — Guaranty fund, scrip, risks, assets, liabilities and surplus, . xxxiv 
Table IV. — Gross cash income and expenditures, premiums, losses and 

expenses xxxiv 

Massachusetts Joint-Stock Insurance Companies : 

Table V. — Cash capital, risks, assets, liabilities and surplus, . . . xxxv 
Table VI. — Risks written, premiums received and losses paid, . . xxxvi 
Table VII. — Gross cash income and expenditures, expenses and divi- 
dends xxxvii 

Insurance Companies of Other States: 

Table VIII. — Cash capital, risks, assets, liabilities and surplus, . . xxxviii 
Table IX. — Risks written, premiums received and losses paid, . . xliii 
Table X. — Gross cash income and expenditures, expenses and divi- 
dends xlviii 

United States Branches : 

Tabie XI. — Showing deposits, etc., lii 

Table XII. —Business of 1893, Iv 

Massachusetts Business in Detail. — Table XIII., Ivii 

Statistics of Fires in Massachusetts : 

Table XIV. — Property, fires, insurance, loss, etc lxii 

Table XV. — Fires classified by months, lxviii 

Table XVI. — Causes of fires, lxxii 

Table XVII. — Summary, lxxvii 

Table XVIII. —Fires by months for sixteen years, lxxviii 

Table XIX. — Receipts and expenditures of the insurance department, . lxxix 

DETAILED STATEMENT. 

Massachusetts Mutual Fire Companies, 1 

Massachusetts Mutual Marine Companies, 87 

Massachusetts Joint-Stock Fire, Marine and Fire-Marine Companies, . . 91 

Fire, Marine and Fire-Marine Insurance Companies of Other States, . . 123 

United States Branches of Foreign Companies, 337 

Insurance Companies of Other States and Foreign Countries, with Amount of 

Business done, and Tax paid by Each, 411 

Appendix, 417 



Cflminmifomlllj of jpassaxjrasetts. 



Insurance Department, Boston, March 22, 1894. 

To the Honorable the Senate and House of Representatives. 

In compliance with the provisions of law, herewith is sub- 
mitted Part I., relating to fire and marine insurance, of the 
thirty-ninth annual report of this department. 

While in portions of the Commonwealth there is a constantly 
growing demand for insurance beyond the abilities of the 
companies represented in Massachusetts to accept, again it is 
necessary to report a decrease in the number of insurance 
companies transacting business here. At the close of the year 
1892 the number of insurance companies authorized was 177, 
a reduction by 4 in the number from the previous year, and 
at the close of 1893 this has again decreased to 173. 

The companies now transacting business in Massachusetts 
are classified as follows : — 

Massachusetts mutual fire, 52 

Massachusetts mutual marine, 2 

Massachusetts joint stock, 11 

Other States, 75 

United States branches of foreign companies, ... 33 

Total 173 

During the past year two additional mutuals were organ- 
ized, — the Bay State of Gardner and the Commonwealth of 
Boston ; and thus far during the present year six additional 
mutuals — the Suffolk, Eastern, New England, Colonial and 
Old Colony of Boston and the Western Massachusetts of 
Springfield — have been incorporated, and one other, the 
Melrose, is in process of formation. 



VI 



REPORT OF THE 



Three companies of foreign countries have extended the busi- 
ness of their United States branches to Massachusetts, one 
company has gone into the hands of a receiver and one 
Massachusetts marine company has retired from business. 

The entire changes since the last report are as follows : — 



Companies authorized during the Year. 



NAME OF COMPANY. 


Location. 


Date of Admission. 


Columbian, .... 


Louisville, Ky., 


January 18 


Palatine, 


Manchester, Eng., . 


January 24 


Lancashire (readmitted), 


Manchester, Eng., . 


January 31 


British America (readmitted), 


Toronto, Canada, . 


May 23 


Bay State Mutual, . 


Gardner, Mass., 


July 13 


Commonwealth Mutual, 


Boston, .... 


December 5 



Companies withdrawn during the Year. 



NAME OF COMPANY. 


Location. 


Date. 


Remarks. 


India Mutual, . 
People's Fire, . 
New York Bowery, 


Boston, 

Manchester, N. H., 
New York, N. Y., 


July 

Oct 

Nov. 


12, 

9, 
9, 


Re-insured in Bos- 
ton Marine. 

In hands of re- 
ceiver. 


Teutonia, 


New Orleans, La , 


Nov. 


U, 


- 


Mechanics 1 and Traders 1 , 


New Orleans, La , 


Nov. 


14, 


~ ~ 


City of London, 
Transatlantic, 


London, Eng., 
Hamburg, Ger., . 


Dec. 
Dec. 


23, 
31, 


Amalgamated with 
Palatine, En£. 


Farmers' Fire, 


York, Pa., . 


Dec. 


31, 


- 


Manufacturers' and 
Builders', 


New York, N. Y r ., 


Dec. 


31, 


— _ 


Franklin, 


Louisville, Ky., . 


Dec. 


31, 


- 



INSURANCE COMMISSIONER. 



Vll 



Fire Losses in Massachusetts during the Year. 
The following table shows the number of fires in each city 
and town of the Commonwealth during 1893, with the amount 
of the loss as reported to this department (the "star" indi- 
cates that no fires occurred during the year) : — 





No. 






No. 






of Fires. 


Loss. 




of Fires. 


Loss. 


Abington, 


9 


$7,-262 


Brockton, 


62 


$75,281 


Acton, . 


4 


15,900 


Brookfield, 


8 


14,470 


Acushnet, 


1 


1,700 


Brookline, 


10 


2.315 


Adams, . 


8 


6,668 


Buckland, 


2 


654 


Agawam, 


6 


8,163 


Burlington, 


2 


1,200 


Alford, . 


* 


- 


Cambridge, . 


89 


128,150 


Amesbury, 


20 


25,600 


Canton, . 


3 


30,725 


Amherst, 


8 


15,423 


Carlisle, . 


2 


1,250 


Andover, 


5 


14,421 


Carver, . 


1 


1,000 


Arlington, 


4 


3,185 


Charlemont, 


2 


5,200 


Ashburnham,. 


6 


111,650 


Charlton, . 


3 


4,401 


Ashby, . 


1 


1,250 


Chatham,. 


1 


390 


Ashfield, 


1 


3,900 


j Chelmsford, 


2 


20,813 


Ashland, 


3 


6,475 


Chelsea, 


45 


44,396 


Athol, . 


15 


26,852 


Cheshire, . 


4 


1,375 


Attleborough, 


4 


1,150 


Chester, . 


6 


54,850 


Auburn, . 


4 


11,080 


Chesterfield, . 


* 


- 


Avon, 


3 


1,950 | 


Chtcopee, 


11 


6,66<J 


Aver, . 


6 


1,817 ; 


Chilmark, 


* 


- 


Barnstable, . 


9 


12,139 


Clarksburg, 


* 


— 


Barre, 


3 


109,350 


Clinton, . 


16 


153,610 


Becket, . 


1 


508 


Cohasset, . 


4 


2,350 


Bedford, 


* 


_ 


Colrain, . 


* 


- 


Belchertown, . 


5 


20,102 


Concord, . 


5 


8,380 


Bellinghani, . 


5 


980 


Conway, . 


4 


5,375 


Belmont, 


2 


6,673 


Cottage City, . 


3 


13,450 


Berkley, 


1 


1,000 


Cummington, . 


1 


600 


Berlin, . 


* 


— 


Dalton, 


4 


6,610 


Bernardston, . 


* 


- 


Dana, 


2 


1,908 


Beverly, 


18 


51,521 


Danvers, . 


8 


26,448 


Bill erica, 


3 


7,885 


Dartmouth, 


3 


44,500 


Blackstone, . 


8 


15,900 ! 


Dedham, . 


11 


10,755 


Blandford, 


* 




Deerfield, 


1 


3,716 


Bolton, . 


3 


2,200 


Dennis, 


* 


- 


Boston, . 


697 


4,315,4<>6 


Dighton, . 


5 


16,580 


Bourne, . 


5 


158,075 


Douglas, . 


3 


189,000 


Boxborou£h, . 


2 


1,985 


Dover, 


2 


1,250 


Boxford, 


1 


2,800 


Dracut, . 


4 


6,650 


Boylston, 


2 


390 


Dudley, . 


2 


41,000 


Bradford, 


5 


• 569 


Dunstable, 


* 


_ 


Brain tree, 


9 


9,530 


Duxbury,. 


6 


3,107 


Brewster, 


* 


_ 


E. Bridgewater, 


4 


17,765 


Bridgewater, . 


5 


2,791 


Eastham, . 


1 


1,500 


Brim field, 


2 

1 


2,650 


Easthampton, . 


3 


4,470 



Vlll 



REPORT OF TJIi; 



Fire Losses in Massachusetts during the Year — Continued. 





No. 






No. 






of Fires. 


Loss. 




of Fires. 




Easton, . 


6 


$40,819 


Ilopedale, 


2 




Edgartown, . 


* 


- 


Ilopkinton, 


7 


4,290 


Egremont, 


2 


1,465 


Hubbardston, . 


5 


32,546 


Enfield, . 


1 


115 


Hudson, . 


4 


245 


Erving, . 


4 


4,860 


Hull, 


6 


29,1 


Essex, . 


1 


200 


Huntington, 


2 


1,575 


Everett, 


13 


13,937 


Hyde Park, . 


3 


1,670 


Fairhaven, 


1 


2,400 


Ipswich, . 


8 


4,755 


Fall River, . 


66 


261,520 


Kingston, 


* 


- 


Falmouth, 


1 


525 


Lakeville, 


5 


6,165 


FlTCHBURG, . 


26 


45,622 


Lancaster, 


4 




Florida, . 


3 


4,650 


Lanesborough, 


1 


75 


Foxborough, . 


5 


1,515 


Lawrence, 


40 


22.- 


Framingham,. 


12 


21,438 


Lee, . 


3 


25,150 


Franklin, 


12 


50,748 


Leicester, 


3 


4,350 


Freetown, 


2 


2,300 


Lenox, 


4 


17,257 


Gardner, 


12 


127,935 


Leominster, 


11 


32,776 


Gay Head, 


* 


- 


Leverett, . 


* 


- 


Georgetown, . 


3 


1,160 


Lexington, 


6 


70.." 


Gill, 


1 


1,100 


Leyden, . 


1 




Gloucester, . 


29 


75,181 


Lincoln, . 


2 




Goshen, . 


* 


- 


Littleton, . 


2 


8,650 


Gosnold, 


* 


- 


Longmeadow, . 


2 


1,120 


Grafton, . 


5 


1,991 


Lowell,*. 


105 


89,960 


Granby, . 


1 


1,300 


Ludlow, . 


3 


1,703 


Granville, 


6 


4,125 


Lunenburg, 


5 


10,139 


Gt. Barrington, 


2 


2.750 


Lynn, 


108 


86,496 


Greenfield, 


9 


18,627 


Lynnfield, 


* 


- 


Greenwich, . 


* 


— 


Malden, . 


34 


7,095 


Groton, . 


6 


6,075 


M -.in Chester, 


2 


590 


Groveland, 


* 


— 


Mansfield, 


10 


24,245 


Hadley, . 


2 


18,400 


Marblehead, . 


15 


27,105 


Halifax, . 


* 


- 


Marion, . 


* 


- 


Hamilton, 


* 


— 


Marlborough, 


13 


10,370 


Hampden, 


1 


300 


Marshfield, . 


* 


— 


Hancock, 


2 


2,900 


Mashpee, . 


* 


- 


Hanover, 


1 


150 


Mattapoisett, . 


1 




Hanson, . 


* 


— 


Mavnard,. 


1 


15 


Hard wick, 


1 


1.200 


Medfield, . 


2 


15. 


Harvard, 


2 


1.350 


Medford, 


19 


41.127 


Harwich, 


3 


2,150 


Medway, . 


3 


5.537 


Hatfield, 


5 


12,050 


Melrose, . 


18 


18,157 


Haverhill, . 


55 


61,486 | 


Mendon, . 


* 


- 


Haw ley, . 


* 


— 


Merrimac, 


9 


12.374 


Heath, . 


1 


1,046 


Methuen, . 


2 


316 


Hingham, 


11 


6,790 


Middleborough, 


11 


10,112 


Hinsdale, 


1 


1.000 


Middlefield, . 


1 


4,344 


Hoi brook, 


3 


5,560 


Middletou, 


3 


1,135 


Holden, . 


1 


3,500 


Milford, . 


11 




Holland, 


4 


1,215 


Millburv,. 


6 


4. 


Holliston, 


10 


27,003 


Millis, * . 


9 


2,45 


HOLYOKE, 


65 


37,180 


Milton, 


12 


22.000 



INSURANCE COMMISSIONER. 



IX 



Fire Losses in Massachusetts during the Year — Continued. 





No. 






No. 






of Fires. 


Loss. 




of Fires. 


Loss. 


Monroe, . 


* 




QUINCT, . 


33 


|34,267 


Monson, . 


4 


$119,284 


Randolph, 


6 


9,326 


Montague, 


6 


5,616 


Ray n ham, 


2 


3,900 


Monterey, 


1 


335 


Reading, 


4 


3,084 


Montgomery, . 


1 


1,500 


Rehoboth, 


3 


3,950 


Mt-Washingt'ii, 


* 




Revere, . 


17 


15,353 


Nahant, . 


3 


1.990 


Richmond, 


* 


_ 


Nantucket, 


2 


155 


Rochester, 


2 


820 


Natick, 


19 


36,965 


Rockland, 


12 


34,519 


Need ham. 


9 


23,636 


Rockport, 


2 


3,245 


New Ashford, . 


* 


— 


Rowe, 


* 


— 


New Bedford, 


30 


94.516 , 


Rowley, . 


4 


1,420 


New Braintree, 


* 




Royalston, 


1 


600 


Newbury, 


* 




Russell, . 


3 


2,707 


Newburyport, 


15 


17,655 1 


Rutland, 


5 


11,500 


New Marlboro', 


5 


550 


Salem, . 


32 


179,859 


New Salem, 


4 


4,000 | 


Salisbury, 


2 


12,415 


Newton, . 


38 


53,662 


Sandisfield, . 


* 


— 


Norfolk, . 


3 


340 


Sandwich, 


* 


_ 


North Adams, , 


29 


36,562 


Saugus, . 


8 


27,214 


Northampton, 


21 


32,658 


Savo} T , . 


3 


3,900 


North Andover, 


3 


500 


Scituate, . 


* 


_ 


No. Attleboro 1 , . 


8 


17,412 


Seekonk, 


2 


3,325 


Northborough, 


2 


3,000 | 


Sharon, . 


7 


22,614 


Northbridge, . 


2 


2,043 | 


Sheffield, 


2 


3,250 


No. Brookfield, 


2 


1,804 


Shelburne, 


* 


_ 


Northfield, 


3 


11,550 i 


Sherborn, 


3 


2,050 


North Reading, 


2 


1,330 


Shirley, . 


* 


_ 


Norton, . 


7 


1,685 | 


Shrewsbury, . 


1 


50 


Norwell, . 


2 


3,900 


Shutesbury, . 


1 


^ 55 


Norwood,. 


4 


3,965 


Somerset, 


2 


3,300 


Oakham, . 


3 


2,600 


SOMERYILLE, . 


54 


26,655 


Orange, . 


4 


8,780 


Southampton, 


4 


5,550 


Orleans, . 


* 


- 


South borough, 


4 


4,129 


Otis, . 


* 


- 


Southbridge, . 


4 


4,650 


Oxford, . 


2 


6,750 


South Hadley, 


6 


42,352 


Palmer, . 


3 


10,410 


Southwick, 


* 


— 


Paxton, . 


* 


- 


Spencer,. 


36 


121,269 


Peabody, . 


15 


2,574 


Springfield, 


73 


376,449 


Pel ham, . 


1 


1,500 


Sterling, 


1 


200 


Pembroke, 


* 


- 


Stockbridge, . 


3 


6,000 


Pepperell, 


7 


3,801 


Stoneham, 


11 


49,293 


Peru, 


1 


265 


Stoughton, 


7 


4,216 


Petersham, 


4 


3,250 


Stow, 


4 


3,662 


Phillipston, 


* 


- 


Sturbridge, 


4 


9,000 


Pittsfield, . 


28 


64,830 


Sudbury, 


2 


4,625 


Plainfleld, 


* 


- 


Sunderland, . 


3 


1,680 


Plymouth, 


* 


- 


Sutton, . 


1 


1,500 


Plympton, 


1 


1,170 


Swampscott, . 


4 


125 


Prescott, . 


1 


125 


Swanzey, 


3 


7,077 


Princeton, 


2 


1,700 


Taunton, 


41 


17,769 


Provincetown, . 


2 


2,850 


Templeton, . 


4 


1 2,042 



REPORT OF THE 



Fire Losses in Massachusetts during the Year — Concluded. 





No. 






No. 






of Fires. 


Loss. 




of Fires. 


Loss. 


Tewksbury, 


5 


$6,575 


W. Brookfield, . 


1 


$2,77u 


Tisbury, . 


* 


- 


Westfield, 


7 


13,181 


Tolland, . 


1 


325 


Westford, 


1 


1,500 


Topsfield, 


* 


- 


Westhampton,. 


* 


- 


Townsend, 


* 


— 


Westminster, . 


1 




Truro, 


* 


— 


West Newbury, 


3 


20.700 


Tyngsborotigh, 


* 


- 


Weston, . 


6 


24,050 


Tyringham, 


1 


48 


Westport, 


1 


110 


Upton, 


5 


31,460 


W. Springfield, 


5 


8,493 


Oxbridge, 


10 


17,425 


W. Stock bridge, 


9 


700 


Wakefield, 


9 


6,258 


W. Tisbury, . 


* 


- 


Wales, . 


3 


12,200 


Weymouth, 


7 


5,231 


Walpole, . 


11 


23,970 


Whately, . 


* 


- 


Waltham, 


34 


47,084 


Whitman, 


9 


5.748 


Ware, 


4 


7,053 


Wilbraham, 


1 


41. 


Wareham, 


1 


1,800 


Williamsburg,. 


1 


100 


Warren, . 


8 


21,291 


Williamstown, 


16 


78 


Warwick, 


o 


4,925 


Wilmington, . 


3 




Washington. . 


* 


- 


Winchendon, . 


7 


4,389 


Watertown, 


8 


11,415 1 


Winchester, 


15 


15,131 


Wayland, 


4 


6,722 


Windsor, . 


* 


— 


Webster, . 


4 


47,190 


Winthrop, 


6 


6.075 


W T ellesley, 


20 


99,766 


WO BURN, . 


52 


14. 


Wellfleet, 


1 


5,500 


! Worcester, . 


185 


190,669 


Wendell, . 


1 


1,000 


Worthington, . 


2 


1 .450 


Wen ham,. 


* 


— 


Wrentham, 


3 


19,600 


Westborough, . 


7 


1,061 


Yarmouth, 


* 


- 


West Boylston, 
W.Bridgewater, 


3 
3 


3,325 
1,060 








Totals, 


3,365 


110,112,362 



The Startling Amount of Fire Losses. 

Much attention has been given by this department during 
several years past to the collection of statistics of fires occur- 
ring within the Commonwealth, the purpose being to find 
out, classify and set forth the causes, in the hope that, through 
the publicity thus given, attention would be drawn to devising 
some effective remedy for existing conditions. 

The figures presented in the foregoing tabulation, in com- 
parison with previous years, ought to startle property owners 
in this Commonwealth. During the last fifteen years the 
number of fires occurring in Massachusetts has steadily 
increased year by year until in 1893 they were almost double 
the number in 1878. Compared with the previous year the 
fires have increased 175 in number and the amount of loss was 
swollen from a little less than five million to upwards of ten 



INSURANCE COMMISSIONER. XI 

millions of dollars, the latter amount being almost double the 
average loss in this Commonwealth during the past sixteen 
years. This excess is partly due, however, to the Federal 
Street and Essex Street conflagrations. The tables of this 
period show an increase in proportion beyond that of the 
property valuation which is nothing less than alarming. 

The great mass of these losses are clearly from preventible 
causes, and these causes exist through faulty construction and 
lack of prudence in caring for combustible property. This 
carelessness results in a material degree from the feeling of 
security property owners have that through their insurance 
they will be kept harmless from loss. If insurance was for- 
bidden the matter would promptly mend itself. But it is idle 
to speak of that. Insurance must and will be had, and it 
remains to see if some means cannot be reached to compel 
better construction and care of property. 

The changing occupations of buildings, and especially the 
greatly changed hazards caused by the increasing uses of 
electricity, render frequent inspections very important to the 
prudent care of property. 

Long-term policies induce negligence on the part of the 
companies in inspecting the property. If it was forbidden to 
write insurance for a longer term than one year, and the com- 
pany required to make an inspection of the property before the 
issue of the policy and each time that the policy is renewed, 
and that a record of such inspection be kept, showing the con- 
dition of the property and the name of the inspector, it is 
believed a healthy improvement would follow. Of course the 
inspection would cost something, but if thereby any security is 
added the policy-holder's money had better go in this direction 
than in the payment of a loss that has wasted that much of the 
common wealth. 

But if it should prove that the owner persistently will not 
take the pains necessary to make and keep his property in a 
prudent condition, as advised by the inspector, then, certainly 
for the public welfare, he should be restrained from availing of 
full indemnity under his policy, and it should be forbidden 
that more than, say, three-fourths of the value should be recov- 
ered on a loss by fire starting on the premises. This is not 
suggested for present consideration, — such a measure would 



Xll REPORT OF THE 

no doubt work a hardship in some cases and should be resorted 
to only after other remedies have been tried. 

Another thing in this connection seems important, and that 
is that the companies should be forbidden under penalty from 
paying or advancing upon a loss until after the investigation by 
the town or city officials, which is now required by law, shall 
have been completed and reported to the town or city clerk for 
record. And in the investigation the authorities should be 
allowed to summon the inspector of the company. It is be- 
lieved that if the insured were made to know that he must 
show an honest loss before he gets his indemnity he would use 
more honest care in its prevention. 

The number and amount of losses in this State have 
increased more than 50 per cent, within the last few year-, 
and while, of course, the amount of insurable property has 
constantly increased, the disproportion is too great and the 
needless waste is a scandal upon the business prudence of the 
community. 

Shorter Term for Fire Policies. 
The common practice of writing policies for a term of three 
or five years involves also, in the mutual companies, the 
issuance of a three-year policy upon the payment of the 
amount of two single yearly premiums, and of a five-year 
policy for the amount of three single yearly premiums. This 
is very generally followed by the return of a dividend increas- 
ing in amount according to the length of the term of the 
policy, by which the holder of a one-year policy, upon which 
he pays a full annual premium, is given a dividend averaging 
in one company, say, 20 per cent., and the holder of a three- 
year policy a dividend of 40 per cent., and the holder of a 
five-year policy a dividend of 60 per cent. In another com- 
pany these three dividends would be 25, 50 and 75 per cent. 
Of course these amounts vary in different companies and in 
accordance with the annual fire loss, but the average is about 
the figures given above. Under the first-named rate of divi- 
dends it will be seen that a policy for five years actually costs 
no more than a policy for three ; under the second schedule 
the policy for five years would cost its holder precisely the 
amount of that for one. 



INSURANCE COMMISSIONER. XI 11 

For example of the latter : suppose the annual premium for 
a single year is $10. The person buying a one-year policy 
pays $10 and receives as dividend $2.50, leaving his cost $7.50 
for the year. The second person buys his policy for three 
years, for which he pays two annual rates, or $20, and receives 
at the end of the term his dividend of $10, leaving the cost of 
his insurance for three years $10, or $3.33 per year, as against 
the $7.50 of the first party. The third pays for his policy 
three annual rates, or $30 for the five years, and at the end 
receives his dividend of $22.50, leaving the cost of his insur- 
ance for the ^nq years $7.50, or $1.50 per year, as against the 
$7.50 and $3.33 per year of the first and second parties, 
respectively. 

Now, while there is a degree of advantage, of course, to the 
company in issuing policies for the longer term, the whole 
system admittedly works great inequality and injustice. 
Beside this, the longer the term for which a policy is issued, 
the less care quite naturally ensues in relation to the risks. 
An annual policy involves, at least theoretically, and in some 
degree, an annual inspection of the property, while in a risk* 
taken for five years, no matter what depreciation there is in 
the character of the risk during the term, it is not discovered 
or known, and the whole tendency of issuing policies for a 
long period is towards laxity in examination of the character 
of the risk. The question is submitted for consideration 
whether it would not work greater equality, a larger degree of 
mutuality and increase safety if it were forbidden by law to 
issue policies for a longer term than one year. 

Fire Losses and Causes. 

An examination of Table XIV. presents some curiously 
suggestive figures as to the character of risks upon which there 
have been losses during the year. Certain lines of property 
are peculiarly liable to total loss, while others are of a class 
where the fire loss is almost always a partial one. Thus, of 
barns and stables there were 145 total loss to 173 partial ; of 
farm houses and buildings, 37 total to 26 partial ; of sheds and 
out-buildings, 21 total to 35 partial ; sawmills showed 7 total 
to 8 partial; ice houses, 5 total to 6 partial; and, curiously, 
among the churches damaged by fire there were 4 total to 14 



XIV REPORT OF THE 

partial loss, and club and billiard rooms 5 total to 18 partial. 
On the other hand, the list of dwelling-houses shows 172 total 
loss to 1,452 partial ; groceries and country stores have 9 total 
to 73 partial ; paint shops, which might naturally be supposed 
to be peculiarly inflammable, had but 1 total to 23 partial 
losses ; tailoring stores, no total among 25 partial losses ; 
laundries, 1 total to 10 partial; wood-working establishments 
with power came up to 6 total to 30 partial losses, while like 
concerns without power, 15 total to 10 partial losses. 

The summary of causes of the various fires in the Common- 
wealth reveals the same unfortunate condition of gross neglect 
and criminal carelessness which the list has presented with 
melancholy uniformity for years. Two hundred and fifty-one 
fires are ascribed to defective chimneys, 309 to kerosene, 315 
to matches, 91 to fire-crackers; smoking was the cause of 91, 
ashes in wooden vessels 39, cigar stubs in wooden spittoons 9, 
and bonfires came in for the unusual number of 23 ; tramps are 
credited with 18 ; electric wires are supposed to have caused 
23. The same fact is revealed from an examination of this 
table which has appeared so conspicuously in years past, that 
a very large percentage of the fires in this Commonwealth is 
due to unquestioned, if not absolutely criminal carelessness, 
and the question what can be done through more intelligent 
legislation to reduce the enormous and unnecessary fire waste 
within the borders of the Commonwealth is again, and with 
perhaps greater emphasis than ever before, pressed upon the 
attention of the legislators of Massachusetts. 

Since the enactment of the statute providing for the collec- 
tion and classification of statistics in relation to fires in this 
Commonwealth, and investigation by the city and town author- 
ities of the causes thereof, — a law which has since been enacted 
in many other States with good results, — this department has 
given much consideration to the facts thus set forth, and it is a 
matter of regret that the work which has been done through 
the investigations and inquests where incendiarism was sus- 
pected has not in a larger degree resulted in the detection 
and apprehension of the guilty parties, to-day one of the m 
alarming features in connection with the fire losses in this 
State. In a number of instances the investigation provided for 
by law, where incendiarism was suspected, has been materially 



INSURANCE COMMISSIONER. XV 

interfered with by the impetuous haste with which a few 
companies have adjusted and paid their losses upon the burned 
property. Attention has been invited to the consideration of 
an amendment to the law by which insurance companies shall 
be forbidden to make payment upon policies ot insurance until 
the investigation provided for by law has been completed, 
especially where an inquest is to be held, and a proper report 
completed and filed. 

Need for a State Fire Marshal. 

In the same connection, in view of the results following the 
excellent work of the lire marshal of the city of Boston, it has 
been suggested, as previously in this report, whether the 
powders and duties of this officer might not be so enlarged as 
to apply to the entire Commonwealth, at least so far as 
enabling town and city authorities to apply to the fire marshal 
to aid them in investigations, and to receive the benefit of the 
trained force which that officer may have at his disposal. 

The examinations and investigations should continue to be 
made, as now, by the selectmen and fire engineers, and reports 
be made to the town and city clerks ; but copies of the reports 
should at the same time be forwarded to the fire marshal of 
the Commonwealth. And in case the report of the investiga- 
tion fails to show clearly the cause, or if it is reported 
44 incendiary," it should be the duty of the marshal to conduct 
a further examination until all obtainable facts are made to 
appear. 

Under the existing statute the cost of the work done by the 
fire marshal of the city of Boston is paid from the treasury of 
the Commonwealth, out of the tax received upon the premiums 
collected by the fire insurance companies ; in all other cities 
and towns the cost of investigations and inquests are borne by 
the city or town in which held. 

The correspondence of the department with the local author- 
ities shows that heretofore this item of expense has proved one 
of the most serious obstacles to obtaining a thorough investi- 
gation, and when necessary an inquest. There appears to be 
no reason whatsoever why the cost of this work throughout the 
Commonwealth should not be borne in like manner as it is in 
the city of Boston. 



XVI REPORT OF THE 

It is altogether undesirable that there should be created the 
office of another fire marshal for the remainder of the State 
outside of Boston. There should be but one official for the 
entire Commonwealth, with such number of deputies and assist- 
ants as may be requisite to secure a prompt carrying out of the 
work committed to him ; the other cities and towns would be 
benefited to a vastly greater degree through the trained force 
naturally and necessarily at the command of the official of this 
character having charge of the investigations in Boston than 
would be possible were there to be a distinct fire marshal for 
the remainder of the State. Experience shows clearly that in 
this matter there should be but one head, one system, one force 
of employees, and one ratio of expense governing the entire 
Commonwealth. 

There is another serious omission in existing statutes which 
should be remedied. Should there be found by the inspectors 
of insurance companies, the police, the inspectors of buildings, 
or the fire marshal, upon any premises, conditions tending to 
fire from carelessness or spontaneous combustion, or inviting 
incendiarism, there is now no authority lodged in any official 
of the Commonwealth to cause removal of such elements of 
danger. The fire marshal should have the authority, if the 
duties of that official be extended to the entire Commonwealth, 
or the police certainly ought to be clothed with power, to 
cause the prompt removal from any buildings or premises of 
elements of the character referred to. 

Quite recently, in the demand for organization of additional 
insurance companies to meet the necessity of property hold- 
for a larger amount of insurance, there has arisen a practice of 
uniting in one person the duties of an officer of a company and 
the general management of the same, the compensation to the 
latter being a flat commission upon the entire amount of 
premium receipts. It hardly needs discussion to show the 
entire impropriety of such a method of transacting busine 
As general manager of the company, with a commission upon 
gross receipts, his interest lies entirely in the acceptance of as 
many and as large risks as possible. But as an officer of the 
corporation whose duty it is finally to pass upon and to deter- 
mine whether the risk shall be accepted, a person acting in 



INSURANCE COMMISSIONER. XV11 

such dual capacity cannot with ordinary human limitations 
exercise the freedom of discretion of which such officer should 
be possessed. No individual ought to be placed in the position 
of acting as counsel for both plaintiff and defendant. It is 
suggested that the statute should be so amended as to abso- 
lutely forbid any complication of this character. 

Every one interested in the reduction of the fire loss under- 
stands full well that every minute, and sometimes every second, 
gained at the inception of a fire, in the application of means for 
extinguishing it and discretion in reaching the incipient blaze 
and applying the remedies at hand, is of the utmost value. At 
the beginning of a fire, seconds and sense are worth more than 
a large force and tons of water after the fire has acquired head- 
way. The introduction of bicycles for the police service and the 
tests that are being made of their value for army service have 
led a leading manufacturer to apply, to a machine peculiarly 
constructed therefor, a small chemical engine and a light axe, 
the inventor claiming that in all outlying districts at least, and 
especially in suburban cities and towns, a well-trained bicyclist 
could reach a fire, particularly at a distance, several seconds or 
minutes before it would be possible for the ordinary steam 
engine to place its apparatus at the scene of the threatened 
conflagration, and it would appear that this fireman's bicycle 
might be worthy of a careful test to determine its actual prac- 
tical value. 

Finances of the Department. 

The income of the department for the year 1892 was 

$61,857.13, of which $25,793.13 was derived from valuation 

fees and $36,064 from licenses, certificates, statements and 

copy. The gross receipts were $5,487.56 in excess of the 

previous year, and to this extent greater than ever before in 

the history of the department ; the surplus accruing to the 

Commonwealth over and above the entire expenditures on 

account of the department was $34,103.39, being greater than 

the previous year by $4,490.55. (Receipts and expenditures 

in detail in Table XIX.) 

t 
Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



9 



COMPARATIVE TABLES. 



Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies. 





1892.* 


1893-t 


Increase or 
Decrease in 1893. 


Assets (including contingent), 


$31,018,300 


$33,089,474 


$2,071,174 


Liabilities, 


4,648,264 


5,290,303 


642,039 


Cash surplus, 


5,626,796 


5,101,451 


— 525,345 


Income, 


4,945,321 


5,525,332 


580,011 


Expenditures, 


4,396,660 


5,472,913 


1,076,253 


Risks written, 


447,643,947 


515,034,903 


67,390,956 


Net premiums received, 


4,457,062 


5,009,527 


552,465 


Risks outstanding, . 


748,259,992 


819,245,714 


70,985,722 


Losses paid, .... 


994,380 


1,886,485 


892,105 


Losses incurred, . 


1,031,904 


2,121,325 


1,089,421 


Assessments collected, . 


12,200 


38,672 


26,472 


Profits returned, . 


2,617,575 


2,699,947 


82,372 


Expenses, .... 


752,227 


843,163 


90,936 



* Fifty companies. 



t Fifty-two companies. 



XX11 



REPORT OF THE 



Comparative Table B. — Massachusetts Mutual Marine Insurance 

Companies. 





1892.* 


1893. t 


Decrease in 1893. 


Assets, 


$663,964 


$255,683 


§ 408,281 


Liabilities, . 


208,980 


143,542 


65,438 


Surplus, 


454,984 


112,141 


342,843 


Income, 


390,529 


281,661 


114,868 


Expenditures, 


465,276 


320,393 


144,883 


Risks written, 


29,706,992 


17,279,010 


12,427,982 


Net premiums received, 


377,647 


274,645 


103,002 


Losses paid, .... 


384,507 


276,252 


108,255 


Losses incurred, . 


327,906 


200,535 


127,371 


Risks outstanding, 


5,144,443 


3,349,461 


1,794,982 


Expenses, .... 


76,069 


44,141 


31,928 


Scrip dividends declared, 


- 


- 


- 


Scrip redeemed, . 


- 


- 


- 


Scrip outstanding, . 


662,362 


506,090 


156,272 


* Two companies. 




t One compar 


IT. 



INSURANCE COMMISSIONER. 



XX111 



Comparative Table C. — Massachusetts Joint-Stock Insurance Com- 
panies. 





1892.* 


1893.* 


Increase or 
Decrease in 1893. 


Cash capital, .... 


$5,007,200 


$5,007,200 


- 


Assets, 


11,319,528 


10,538,001 


—$781,527 


Liabilities, .... 


3,728,938 


3,732,569 


3,631 


Surplus, 


7,590,590 


6,805,432 


— 785,158 


Income, 


4,945,510 


4,864,572 


—80,938 


Expenditures, 


4,585,862 


5,028,166 


442,304 


Fire risks written, . 


328,411,742 


283,727,237 


—44,684,505 


Fire premiums received (net) , 


3,232,001 


3,242,019 


10,018 


Marine risks written, . 


76,248,562 


69,490,194 


—6,758,368 


Marine premiums rec'd (net), 


1,271,444 


1,178,750 


—92,694 


Fire losses paid, . 


1,977,048 


2,278,285 


301,237 


Marine losses paid, 


841,006 


1,049,545 


208,539 


Fire losses incurred, 


2,036,179 


2,291,220 


255,041 


Marine losses incurred, 


1,013,222 


1,258,163 


244,941 


Fire risks outstanding, . 


396,857,653 


392,374,096 


—4,483,557 


Marine risks outstanding, 


13,403,294 


11,725,851 


— 1,677,443 


Expenses, .... 


1,394,586 


1,380,986 


—13,600 


Cash dividends declared, 


372,716 


319,216 


—53,500 



* Eleven companies. 



XXIV 



REPORT OF THE 



Comparative Table D. — Fire and Marine Insurance' Companies of 

Other States. 





1892.* 


1893-t 


Increase or 
Decrease ir. 


Cash capital, .... 


$43,359,919 


$41,222,912 


—$2,137,007 


Assets, 


170,209,326 


163,083,845 


—7,125,481 


Liabilities, .... 


80,377,409 


82,641,382 


2,263,973 


Surplus, 


89,831,917 


80,442,463 


—9,389,454 


Income, 


88,675,075 


89,066,354 


391,279 


Expenditures, 


85,099,465 


90,579,511 


5,480,046 


Fire risks written, . 


8,680,957,957 


8,758,242,662 


77,284,705 


Fire premiums received (net), 


72,900,707 


74,079,031 


1,178,324 


Marine risks written, 


1,699,361,084 


1,568,037,547 


—131,323,537 


Marine premiums rec'd (net), 


8,169,767 


7,564,427 


—605,340 


Fire losses paid, . 


45,348,943 


49,988,865 


4,639,922 


Marine losses paid, 


4,699,684 


5,748,655 


1,048,971 


Fire losses incurred, 


46,200,302 


51,652,748 


5,452,416 


Marine losses incurred, . 


4,870,478 


6,328,489 


1,458,011 


Fire risks outstanding, . 


10,614,444,343 


10,694,643,636 


80,199,293 


Marine risks outstanding, 


179,733,190 


167,494,542 


—12,238,648 


Expenses, .... 


28,217,982 


28,362,753 


144,771 


Cash dividends declared, 


4,863,461 


4,711,617 


—151,844 



* Eighty-one companies. 



t Seventy-five companies. 



INSURANCE COMMISSIONER. 



XXV 



Comparative Table E. — United States Branches of Foreign Com- 
panies. 





1892.* 


1893-t 


Increase or 
Decrease in'1893. 


Deposit capital, 


$7,854,285 


$7,927,285 


$73,000 


Assets in United States, 


50,540,955 


55,250,462 


4,709,507 


Liabilities in United States, . 


32,782,824 


37,943,826 


5,161,002 


Surplus. . . . 


17,758,131 


17,310,325 


—447,806 


Income, 


42,331,602 


47,598,306 


5,266,704 


Expenditures, 


37,790,529 


45,963,793 


8,173,264 


Fire risks written, . 


4,914,608,614 


5,257,046,812 


342,438,198 


Fire premiums received (net), 


36,806,517 


42,173,125 


5,366,608 


Marine risks written, . 


1,017,280,934 


920,618,593 


—96,662,341 


Marine premiums received 








(net), 


3,793,094 


3,418,292 


—374,802 


Fire losses paid, 


22,917,328 


29,289,297 


6,371,969 


Marine losses paid, 


1,830,165 


1,955,550 


125,385 


Fire losses incurred, 


23,665,547 


30,124,352 


6,458,805 


Marine losses incurred, . 


1,692,410 


2,263,134 


570,724 


Fire risks outstanding, . 


5,263,740,817 


5,774,707,656 


510,966,839 


Marine risks outstanding, 


38,616,750 


50,584,528 


11,967,778 


Expenses, .... 


13,043,037 


14,678,956 


1,635,919 



* Thirty-two companies. 



f Thirty-three companies. 



XXVI 



REPORT OF THE 



Aggregates of all the Companies. 




INSURANCE COM M I SSION ER. 



X X V 1 1 



Comparative Table F. — Massachusetts Business.* 





1892. 


1893. 


Increase or 
Decrease in 1893. 


Fire risks written, . 


1960,872,67-1 


$1,030,196,564 


$69,323,890 


Fire premiums received, 


10,006,986 


10,727,167 


720,181 


Fire losses paid, . 


4,422,854 


8,032,697 


3,609,843 


Fire losses incurred, 


4,140,396 


8,329,015 


4,188,619 


Marine risks written, 


299,551,889 


242,991,628 


—56,560,261 


Marine premiums received, . 


2,229,301 


1,880,038 


—349,263 


Marine losses paid, 


1,597,732 


1,735,917 


138,185 


Marine losses incurred, 


1,517,830 


1,562,397 


44,567 



* For details of this business see Table XIII. 



Comparative Ratios of Table F. 





1892. 


1893. 


Increase or 
Decrease 
In 1893. 


Fire premiums received to risks written,. 


1.04 


1.04 


- 


Fire losses incurred to risks written, 


.43 


.81 


88.37 


Fire losses incurred to premiums received, 


41.37 


77.64 


87.67 


Marine premiums received to risks written, 


.74 


.77 


4.06 


Marine losses incurred to risks written, . 


.50 


.64 


28.00 


Marine losses incurred to premiums received, . 


68.09 


83.10 


22.04 



xxvm 



REPORT OF THE INSURANCE COMMISSIONER. 



Table G. — Fire Risks written, Premiums received and Losses 

incurred in Massachusetts. 





Fire Risks Written. 


Premiums 
Received. 


Losses Incurred. 


Ratio 


OF — 


Year. 


Premiums 

Received to 

Risks Written. 


Losses 

Incurred to 

Risks Written. 


1873, . 


$858,393,129 


$10,358,024 


$5,184,364 


1.21 


.60 


1874, . 


655,056,069 


8,253,755 


3,676,063 


1.26 


.56 


1875, . 


597,478,409 


7,232,486 


3,221,943 


1.21 


.54 


1876, . 


528,211,058 


5,974,268 


2,738,180 


1.13 


.52 


1877, . 


585,928,271 


5,998,124 


2,572,185 


1.02 


.44 


1878, . 


558,019,711 


5,506,392 


2,438,121 


.99 


.44 


1879, . 


520,814,369 


5,026,482 


2,500,451 


.96 


.48 


1880, . 


609,132,542 


5,479,552 


3,055,273 


.90 


.50 


1881, . 


642,542,633 


5,845,354 


2,884,047 


.91 


.45 


1882, . 


686,030,272 


6,244,053 


4,915,949 


.91 


.72 


1883, . 


710,197,514 


6,896,367 


3,763,949 


.97 


.53 


1884, . 


655,613,160 


7,067,149 


3,865,956 


1.08 


.59 


1885, . 


661,380,951 


7,402,583 


3,132,235 


1.12 


.47 


1886, . 


694,473,662 


7,838,425 


3,369,294 


1.13 


.49 


1887, . 


765,304,046 


8,371,714 


3,136,774 


1.09 


.41 


1888, . 


832,038,483 


8,702,006 


4,444,322 


1.05 


.53 


1889, . 


825,962,689 


8,601,963 


9,284,464 


1.04 


1.12 


1890, . 


871,117,341 


9,039,865 


3,798,502 


1.04 


.44 


1891, . 


863,343,089 


8,719,803 


5,104,694 


1.01 


.59 


1892, . 


960,872,674 


10,006,986 


4,140,396 


1.04 


.43 


1893, . 


1,030,196,564 


10,727,167 


8,329,015 


1.04 


.81 


Totals, 


$15,112,106,636 


$159,292,718 


$85,556,177 


1.05 


.57 



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► 







INSURANCE COMMISSIONER. 



lvii 



Table XIII. — Massachusetts Business for 1893. 
Massachusetts Mutual Fire Companies. 





Risks 


Premiums 


Contingent 


Losses 


Losses 


NAME OF COMPANY. 














Written. 


Received. 


Assets. 


Paid. 


Incurred. 


Abington, .... 


$3,131,211 


$44,314 


$44,314 


$23,048 


$29,831 


Annisquam, .... 


77,775 


- 


5,095 


5 


5 


Arkwright 


41,903,623 


337,735 


1,688,676 


65,796 


65,586 


Ashfield, 


30,006 


138 


902 


- 


- 


Atlas, 


6,075,492 


77,976 


233,929 


66,833 


72,227 


Attleborough, 


452,235 


2,317 


4,635 


4,957 


6,797 


Barnstable County, 


1,747,760 


30,436 


91,306 


7,312 


6,812 


Bay State, .... 


500,141 


7,755 


7,755 


1,282 


1,482 


Berkshire, .... 


2,083,314 


27,991 


27,991 


6,705 


6,705 


Boston Manufacturers', 


47,284,684 


384,294 


1,921,472 


74,003 


73,462 


Bristol County, 


362,650 


2,393 


23,930 


7,327 


2,327 


Cambridge, .... 


4,349,672 


66,875 


66,875 


23,517 


32,722 


Citizens', .... 


7,091,230 


95,710 


95,710 


18,917 


18,917 


Cohasset 


72,900 


1,102 


3,307 


177 


177 


Commonwealth, 


1,221,851 


17,352 


42,056 


- 


- 


Cotton and Woolen, 


5,800,111 


52,780 


263,900 


20,206 


20,206 


Dedham 


1,553,983 


21,224 


23,803 


8,358 


8,302 


Dorchester, .... 


9,023,752 


136,515 


136,515 


65,477 


73,302 


Essex, 


1,540,197 


24,072 


24,072 


10,047 


17,153 


Fall River Manufacturers', . 


14,084,290 


120,591 


602,956 


13,292 


13,141 


Fitchburg, .... 


7,849,341 


123,274 


123,274 


95,210 


89,736 


Franklin, .... 


1,094,851 


16,241 


16,241 


11,647 


13,968 


Groveland 


302,092 


- 


21,313 


71 


71 


Hampshire, .... 


950,291 


13,584 


13,584 


6,399 


6,399 


Hingham, .... 


5,898,099 


86,496 


86,496 


23,878 


23,675 


Holyoke, 


8,816,714 


131,945 


130,647 


50,559 


52,604 


Industrial, .... 


1,964,621 


16,465 


83,325 


6,409 


6,409 


Lowell 


1,620,584 


24,848 


24,848 


11,063 


11,063 


Lynn, 


385,450 


5,211 


10,423 


546 


1,061 


Massachusetts, 


7,721,540 


53,891 


53,891 


16,539 


16,002 


Merchants' and Farmers', 


5,535,920 


82,256 


82,256 


59,357 


60,106 


Merrimack, .... 


7,323,003 


112,416 


112,416 


44,325 


49,405 


Middlesex, .... 


9,863,936 


145,778 


145,778 


50,266 


51,403 


Milford, 


822,863 


12,404 


12,404 


14,554 


13,506 


Mutual Fire Assurance, 


1,116,700 


17,877 


35,654 


839 


2,339 


Mutual Protection Fire, 


351,776 


4,468 


4,468 


2,521 


2,537 


Newburyport, 


152,725 


2,025 


8,100 


28 


28 


Norfolk, 


5,034,537 


68,036 


72,464 


23,804 


20,850 


Paper Mill, .... 


2,671,781 


25,477 


127,383 


253 


253 


Patrons', 


159,694 


1,761 


5,282 


3,852 


5,821 


Quincy 


8,243,925 


119,203 


119,203 


35,329 


33,615 


Rubber Manufacturers', 


2,734,379 


25,627 


128,137 


16,559 


16,559 


Salem 


1,090,308 


15,896 


15,896 


9,228 


13,379 


Salisbury and Amesbury, 


30,714 


253 


2,532 


124 


124 


Saugus Mutual, 


989,325 


- 


123,007 


1,318 


1,318 


South Danvers, 


177,595 


3,894 


11,683 


496 


813 


Traders' and Mechanics', 


39,001,370 


137,907 


137,907 


72,101 


72,602 


Wachusett 


2,338,891 


38,483 


38,483 


28,250 


36,760 


Westford 


68,050 


594 


1,781 


153 


153 


"West Newbury, 


292,266 


- 


16,074 


4,835 


7,334 


Worcester Manufacturers', . 


15,051,577 


124,234 


621,170 


38,438 


38,367 


Worcester Mutual, . . 


10,180,065 


144,954 


144,954 


40,946 


42,263 


Totals 


$298,221,860 


$3,007,068 


$7,840,273 


$1,087,156 


$1,139,677 



lviii 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1893 — Continued. 
Massachusetts Mutual Marine Companies. 



NAME OF COMPANY. 


Risks 

Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 




$15,494,051 


$230,150 


$256,085 


$182,423 




$15,494,051 


$230,150 


$256,085 


-1S2.423 



Massachusetts Joint-Stock Companies. 
Fire Business. 



American, 

Boylston, . . . . . 

Dwelling House, 

Firemen's Fire 

Fir6t National, 

Mercantile Fire and Marine, 

North American 

Springfield Fire and Marine, 


$8,161,509 
7,532,513 
4,645,806 
7,878,603 
4,960,463 

5,912,761 
11,246,117 
14,539,830 


$81,755 
77,232 
29,303 
72,889 
54,150 

48,556 
109,935 
162,098 


$58,586 

58,034 

5,400 

47,482 

59,929 

44,237 

59,426 

180,145 


$62,202 

57,286 

5,561 

48,137 

68,654 

44,385 

64,293 

198,691 




$64,877,602 


$635,918 


$513,239 


$549,209 



Marine Business. 



American, 
Boston Marine, 
Boylston, 

Equitable Marine, . 
Mercantile Fire and Marine, 

Wellfleet, 

Totals, 



$86,700 

36,947,925 

5,243,767 

566,920 

520,500 

562,555 



$43,928,367 



$3,315 

670,539 

43,614 

31,867 

5,540 

30,417 



$11,325 

728,130 

30,786 

21,516 

390 

34,790 



$785,292 $826,937 



$9,625 

770,397 

22,476 

31,005 

390 

30,100 



$863,993 



INSURANCE COMMISSIONER. 



lix 



Table XIII. — Massachusetts Business for 1893 — Continued. 

Companies of Other States. 

Fire Business. 



name of company. 



Risks 
Written. 



Premiums 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



./Etna, 

Agricultural, . 
Albany, . 

American (Newark), 
American Central, . 



American Fire (New York), 
American Fire (Philadelphia), 
Buffalo German, . 

Capital Fire 

Citizens' (XewYork), . 

Citizens' (St. Louis), 
Columbian, .... 
Commerce, .... 
Commonwealth, 
Concordia, .... 

Connecticut, .... 
Continental, .... 

Delaware 

Detroit Fire and Marine, 
Equitable Fire and Marine, . 

Farragut, .... 

Fire Association of Philadelphia, 
Fire Insurance Co., County of Phila. 
Fireman's Fund, . 
Firemen's (Baltimore), 

Firemen's (Newark), . 

Franklin Fire (Philadelphia) 

German-American, 

Germania Fire, 

Girard Fire and Marine, 

Glen's Falls, . 
Granite State, . 
Greenwich, 

Hanover, .... 
Hartford Fire, 

Home 

Insurance Co. of North America, 
Insurance Co., State of Pennsylvania, 
Lumbermen's, 
Mechanics', 

Merchants' (Newark), . 
Merchants' (Providence), 
Michigan Fire and Marine, 
Middlesex Mutual, 
Milwaukee Mechanics', 

Mutual Fire, . 
National. . 
Newark Fire, . 
New Hampshire Fire, 
New York Fire, 

Niagara, . 

Northwestern National, 
Orient, 

Pacific Fire, . 
Pennsylvania Fire, 



$23,968,000 
5,856,600 
1,835,226 
2,978,245 



9,559,430 
8,066,288 
2,498,821 
3,998,762 
2,645,679 

414,655 
4,719,723 
1,602,939 
2,628,404 

581,685 

10,199,800 

11,480,523 

3,929,909 

1,226,713 

3,676,761 

272,418 
9,527,905 

810,431 
6,482,357 

625,184 

3,855,487 
2,556,571 
14,760,126 
2,896,127 
1,997,782 

3,795,487 

8,075,667 

4,033,393 

6,562,520 

12,476,323 

51,429,403 

17,714,743 

3,364,999 

1,196,624 

1,642,628 

9,301,844 

4,423,345 

1,530,865 

652,810 

313,005 

3,770,410 
14,557,909 

1,495,671 

17,360,600 

809,250 

9,265,466 
1,290,757 
6,788,666 
3,311,852 
9,762,248 



$226,140 
51,168 
21,801 

26,777 



121,323 
95,577 
25,403 
68,166 
31,132 

5,893 
14,405 
19,659 
20,292 

6,394 

119,768 

133,495 

41,018 

9,547 

38,449 

3,706 

124,993 

12,314 

76,233 

8,101 

36,881 
27,911 
133,151 
28,385 
20,980 

31,965 

106,230 

36,610 

79,608 

119,377 

331,933 

210,982 

41,102 

11,835 

16,586 

81,050 

42,069 

19,634 

6,298 

2,949 

44,570 
152,134 

19,080 

178,900 

3,792 

"113,683 
12,496 
69,060 
29,996 

135,684 



$163,975 


$175,940 


17,506 


23,600 


19,426 


21,621 


24,984 


25,249 


3,638 


3,638 


102,683 


103,197 


113,326 


95,832 


26,229 


27,346 


45,865 


45,483 


27,361 


24,327 


5,073 


5,659 


36,384 


38,705 


21,762 


26,603 


61,289 


61,608 


4,601 


4,601 


126,927 


124,967 


110,530 


120,164 


41,809 


44,681 


12,341 


12,452 


32,749 


32,398 


4,252 


3,933 


151,678 


156,229 


21,413 


21,339 


61,913 


63,621 


10,921 


9,504 


40,898 


43,118 


36,396 


31,468 


78,519 


87,812 


14,854 


16,452 


22,979 


25,063 


24,626 


25,092 


60,129 


67,521 


37,438 


41,633 


62,471 


64,286 


90,402 


91,863 


221,603 


232,863 


206,434 


206,470 


18,959 


15,710 


9,815 


9,363 


19,129 


20,344 


67,678 


67,970 


33,434 


42,975 


48,678 


43,876 


2,518 


2,518 


14,354 


13,631 


113,384 


114,835 


101,893 


106,416 


24,464 


25,099 


126,726 


134,327 


17,333 


17,333 


143,717 


126,861 


16,686 


18,197 


90,508 


93,191 


32,266 


31,228 


134,626 


135,500 



lx 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1893 — Continued. 

Companies of Other States. 

Fire Business — Concluded. 



NAME of company. 


Risks 


Premiums 


Losses 


Losses 




Written. 


Received. 


Paid. 


Incurred. 


Phenix (New York), 


$17,568,367 


$179,835 


$121,156 


$129,823 


Phoenix (Hartford), 


11,515,216 


134,303 


109,802 


109,996 


Providence Washington 


10,068,173 


97,094 


87,079 


90,030 


Queen of America, 


16,229,671 


123,906 


82,655 


91,124 


Reading Fire, 


3,424,946 


36,664 


31,955 


27,195 


Reliance, 


3,131,931 


29,268 


19,235 


20,278 


Rochester German, 


3,514,637 


49,010 


40,189 


46,131 


Rutgers 


899,162 


10,768 


13,054 


12,-169 


Security, 


2,311,972 


17,192 


25,326 




Spring Garden 


6,252,859 


54,701 


43,837 


48,417 


St. Paul Fire and Marine 


4,406,290 


39,320 


32,199 


33,268 


Teutonia, 


205,103 


2,642 


2,945 


3,398 


Union, 


4,311,549 


30,791 


24,949 


27.002 


United Firemen's 


1,268,047 


26,573 


22,667 


23,338 


United States Fire, 


3,699,974 


31,143 


32,662 


37,907 


Westchester Fire, 


6,974,821 


79,688 


59,840 


65,169 


Western, 


828,045 


9,270 


6,527 




Williarnsburgh City Fire, .... 


2,723,273 


24,534 


26,127 


30,165 


Totals 


$439,913,077 


$4,423,387 


$3,943,756 


$4,054,549 



Marine Business. 



Atlantic Mutual, 

Delaware, 

Insurance Company of North America, 
Providence Washington, 
St. Paul Fire and Marine, 

United States Lloyds 

Totals, 



$20,607,169 

20,540,009 

26,937,925 

4,230,598 

1,058,894 

6,321,835 



$122,948 

90,095 

154,511 

32,983 

40,558 

23,367 



$73,769* 
87,833 

121,919 
61,201 
43,791 

29,200 



$73,769* 
91,949 

122.000 
67,312 
47,383 

59,972 



$79,696,430 $464,462 $417,713 $462 



* Estimated. 



United States Branches, Foreign Companies. 
Fire Business. 



Atlas Assurance, . 
British America, . 
Caledonian, 
Commercial Union, 
Guardian Assurance, 

Hamburg-Bremen, 

Imperial, 

Lancashire, 

Lion Fire, 

Liverpool and London and Globe, 



London Assurance, 

London and Lancashire, 

Manchester Fire Assurance, 

National of Ireland (No businesstransacted.) 

North British and Mercantile, 



$5,139,235 
2,649,080 
4,454,400 

10.392,156 
7,S47,887 

4,358,658 
5,204,899 
8,544,993 
2,345,716 
35,897, S44 

6,030,245 
7,059,910 
9,1S9,412 

11,517,734 



$55,882 

33,124 

62,791 

156,410 

88,805 

50,117 

140,077 

87,719 

24.286 

357,689 

64,261 

77,564 

130,670 

116,401 



$45,763 
IS, 500 

164,333 
80,6-54 

36,734 
163,089 

98,301 

26,842 

263,911 

51,474 
94.45S 

155, S35 



$47,669 
21,205 
75,502 

173,445 
¥1 ~ - 

35,379 
169,155 

25,^93 
267,451 

53,875 

100,581 

8S.362 

157,903 



INSURANCE COMMISSIONER. 



lxi 



Table XIII. — Massachusetts Business for 1893 — Concluded. 

United States Branches, Foreign Companies. 

Fire Business — Concluded. 



NAME OF COMPANY. 



Risks 
Written. 



Premiums 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



Northern Assurance, 
Norwich Union, 

Palatine, 

Phoenix Assurance, 
Prussian National, . 

Royal 

Royal Exchange, . 
Scottish Union and National, 

Sun 

Union Society, 

"Western Assurance, 

Totals, . 



$10,054,54.3 

8,981,034 

10,816,645 

8,752,264 

1,273,555 

34,575,001 
456,400 

7,612,646 
17,965,350 

1,524,145 

4,540,271 



$227,184,025 



$117,026 

107,448 

123,587 

105,536 

15,896 

419,835 
3,359 

76,666 
166,134 

14,448 

65,063 



$2,660,794 



$114,641 

117,502 

108,496 

108,673 

18,623 

376,458 

574 

86,197 

132,409 

9,042 

68,170 



$2,488,546 



$116,397 

128,856 

117,990 

108,048 

20,471 

375,429 

574 

88,124 

149.576 

9,096 

68,417 



$2,585,580 



Marine Business. 



British and Foreign Marine, 
London Assurance, 
Mannheim, . 
Marine of London, . 
Reliance Marine, . 

Thames and Mersey Marine, 
Union Marine, 
"Western Assurance, 



Totals, 



$56,258,014 

4,355,793 

4,308,610 

29,301,587 

1,260,854 

4,586,275 

3,315,790 

485,857 



$103,872,780 



$246,889 
12,744 
20,282 
45,459 
12,796 

21,652 
30,080 
10,232 



$400,134 



$177,53J 

4,506 

19,297 

10,518 

4,733 

3,197 

2,021 

13,373 



$235,182 



$7,786 

1,713 

11,176 

10,518 

4,733 

2,447 

2,021 

13,202 



$53,596 



Recapitulation. 

Fire Business. 



Massachusetts Mutual Fire Companies, 
Massachusetts Joint-Stock Companies, 
Companies of Other States, .... 
United States Branches 


$298,221,860 

64,877,602 

439,913,077 

227,184,025 


$3,007,068 

635,918 

4,423,387 

2,660,794 


$1,087,156 

513,239 

3,943,756 

2,488,546 


$1,139,677 

549,209 

4,054,549 

2,585,580 




$1,030,196,561 


$10,727,167 


$8,032,697 


$8,329,015 



Marine Business. 



Massachusetts Mutual Marine Companies, 
Massachusetts Joint-Stock Companies, 
Companies of Other States, .... 
United States Branches 


$15,494,051 
43,928,367 
79,696,430 

103,872,780 


$230,150 
785,292 
464,462 
400,134 


$256,085 
826,937 
417,713 
235,182 


$182,423 

863,993 

462,385 

53,596 




$242,991,628 


$1,880,038 


$1,735,917 


$1,562,397 



lxii 



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lxiv 



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lxvi 



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INSURANCE COMMISSIONER. 



lxvii 



Comjmrison of Table XIV. for Sixteen Tears. 



Year. 


No. of 

Fires. 


Insurance. 


Damage. 


Insurance Paid. 


Total 
Loss. 


Partial 
Losses. 


1878, 


1,728 


$7,703,326 


$3,683,265 


$2,574,841 


532 


1,196 


1879, 


1,852 


8,086,657 


3,626,430 


1,994,412 


605 


1,247 


1880, 


1,722 


11,033,541 


4,454,221 


3,422,143 


596 


1,126 


1881, 


1,694 


11,414,179 


4,312,642 


2,819,847 


511 


1,183 


1882, 


1,758 


12,406,617 


4,789,906 


4,480,797 


529 


1,229 


1883, 


2,233 


12,325,823 


4,686,759 


3,446,076 


666 


1,567 


1884, 


2,011 


13,635,872 


4,704,871 


4,226,144 


543 


1,468 


1885, 


1,828 


11,332,402 


4,169,798 


3,254,256 


482 


1,346 


1886, 


1,920 


12,566,354 


4,579,530 


3,313,892 


328 


1,592 


1887, 


2,238 


13,064,423 


4,220,326 


3,180,244 


519 


1,719 


1888, 


2,446 


16,988,030 


5,385,377 


3,732,835 


594 


1,852 


1889, 


2,490 


22,942,441 


12,388,202 


8,241,478 


758 


1,732 


1890, 


2,471 


17,995,768 


4,656,149 


4,969,964 


604 


1,867 


1891, 


2,892 


25,654,891 


6,581,479 


5,177,916 


633 


2,259 


1892, 


3,190 


20,401,008 


5,011,983 


3,486,349 


514 


2,676 


1893, 


3,365 


32,379,253 


10,112,362 


6,219,745 


569 


2,796 


Totals, . 


35,838 


$249,930,585 


$87,363,300 


$64,540,939 


8,983 


26,855 


Averages, 


2,240 


15,620,662 


5,460,206 


4,033,808 


562 


1,673 



lxviii 



REPORT OF THE 



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INSURANCE COMMISSIONER. lxix 



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lxx 



REPORT OF THE 



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lxxi 



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lxxii 



REPORT OF THE 



Table XVI. — Causes of Fires Classified. 



Property. 



Causes of Fire. 



Almshouses, 
Bakers, 

Banks and offices, 
Barber shops, 



(2) 



(20) 



(30) < 



(9) 



Barns and private stables, 



(318) 



Blacksmith shops, 

Boarding and lodging houses, . 

Boiler rooms, .... 
Bookbinders, .... 
Books, stationery and paper hangings, (6) 



Brass finishers, . 
Bottlers, 

Breweries, . 
Brick kilns, . 
Bridges, 

Candy makers, . 



Cars and car sheds, 

Carriage makers, 
Cemeteries, . 

Churches, . 

Cider mills, . 

Cigar stores and factories, 

Clothing manufactory, 



(20) 

(22) \ 

(7) 
(3) 



(4) 
(3) 

(3) 
(5) 
(7) 

(10) 



(30) <; 

(8) 

(1) 
r 

(18) \ 

(4) 
(11) 

(6) 



Clothing near stove, 1 ; unknown, 1. 

Overheated boiler, 1; boiling over fat, 3; un- 
known, 3; overheated oven, 4; explosion of oil 
stove, 1; spontaneous combustion, 2; defective 
chimney, 2; defective oven, 1; exposure, 1; 
overheated stove, 1; careless smoking, 1. 

Electric light wire, 2; naphtha near stove, 1; un- 
known, 9; cigar stub, wooden spittoon, 1 ; care- 
less use of matches, 3; exposure, 2; rats and 
matches, 1; bonfire, 1; spontaneous combus- 
tion oily rags, 1; explosion of vulcanizer, 1; 
careless smoking, 3; leaky gas pipe, 1; thawing 
water pipes, 1; defective chimney, 1; gas jet 
and curtain, 1; paper and radiator, 1. 

Careless use of matches, 1; unknown, 4; exposure, 
1; lamp and woodwork, 1; careless smoking, 1; 
breaking lamp, 1. 

Careless smoking, 16; unknown, 13G; careless use 
of matches, 5; incendiary, 53; exposure, 12; 
spontaneous combustion oily rags, 2; children 
and matches, 20; defective chimney, 3; sparks 
from chimney, 4; lightning, 21; sparks from 
saw mill boiler, 1; breaking lantern, 10; ex- 
plosion of lantern, 5; fumigating with sulphur, 
1; sparks from locomotive, 1; rats and matches, 
3; explosion of lamp, 4; explosion of oil stove, 
3; overheated stove, 2; spontaneous combus- 
tion, 4; fireworks, 2; sparks from pipe, 2; care- 
less use of candle. 1; lamp and clothing, 1; 
cigar stub, 1; bonfire, 3; electric light wire, 1; 
gas near woodwork, 1. 

Hot ashes and wooden barrel, 1 ; sparks from 
forge, 3; unknown, 9; sparks from chimney, 2; 
exposure, 2; incendiary, 2; overheated boiler, 1. 

Rats and matches, 1; defective chimney, 2; in- 
cendiary, 1; unknown, 10; explosion of oil 
stove, 2; defective furnace, 1; overheated stove, 
1; explosion lamp, 3; smoking in bed, 1. 

Overheated boiler, 1; sparks from furnace, 2; 
defective chimney, 1; unknown, 3. 

Spontaneous combustion oily rags, 1 ; unknown, 2. 

Careless use of matches, 2; breaking lamp, 1; rats 
and matches, 2; unknown, 1. 

Defective furnace, 1 ; unknown, 3. 

Unknown, 1; boiling over wax, 1; explosion of 
still, 1. 

Unknown, 1; spontaneous combustion, 1; sparks 
from furnace, 1. 

Overheated furnace, 4; overheated kiln, 1. 

Sparks from locomotive, 2; cigar stub, 1; children 
and matches, 1; incendiary, 2; firecrackers, 1. 

Thawing water pipes, 1; dropping lamp, 1; in- 
cendiary, 2; unknown, 3; children and matches, 
1 ; overheated stove, 1 ; breaking lamp, 1. 

Smoking, 2; unknown, 8; incendiary, 4; light- 
ning, 1; friction, 1; alcohol igniting, 1; cigar 
and cushion, 1; sparks from locomotive, 4; 
children and matches, 2; overheated furnace, 1; 
explosion of painters' lamp, 1; exposure, 1; over- 
heated stove, 2; explosion of vitriol, 1. 

Sparks from chimney, 3; defective chimney, 3; 
unknown, 2. 

Exposure, 1. 

Unknown, 6; leaky gas pipe, 1; rats and matches, 
1; exposure, 1 ; overheated furnace, 3: explosion 
lamp, 1; overheated boiler, 2; lightning, 2; in- 
cendiary, 1. 

Unknown, 3; explosion alcohol, 1. 

Unknown, 4; thawing water pipes, 1; cigar stub 
in wooden spittoon, 1; exposure, 2; overheated 
stove, 1; iDcendiar}', 1; rats and matches, 1. 

Unknown, 4; electric flat iron, 1; sparks from 
chimney, 1. 



INSURANCE COMMISSIONER. 



lxxiii 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



f 

i 

Clothing and furnishing stores, . (28) <J 



Causes of Fire. 



Club and billiard rooms, . 



Cobbler shops, . 

Comb factory 

Cooper shops, . 

Cotton batting, waste houses, 
and shoddy mills, . 

Cotton mills, . 
Crockery and lamp stores, 
Cutlery works 



r 

i 

i 

(23K 



• (4) 

• (1) 

' (2, r 

jute ) 

• (16) j 

• (5) | 
. (2) 

• (4) 



Dining-rooms, .... 

Distilleries, 

Drug stores, .... 

Dry and fancy goods, 
Dry houses (lumber), 



. (19) i 
• (1) 
. (19) < 



(31) < 



. (2) 



Dwelling-houses, 



(1,624) { 



Dye houses, .... 
Dye woods and chemical works, 



. (1) 

• (4) j 

r 



Farm buildings (63) < 



Rats and matches, 2; unknown, 13; gas jet and 
ceiling, 1 ; exposure, 5 ; incendiary, 3 ; overheated 
stove, 1; hot ashes and paper, 1; explosion of 
naphtha, 1; defective chimney, 1. 

Unknown, 7; rats and matches, 1; smoking, 2; 
incendiary, 3; spontaneous combustion, 1 ; steam 
pipe and wood work, 1 ; explosiou lamp, 2; care- 
less use of matches, 1 ; sparks from fire place, 1 ; 
defective flue, 2; telephone aud trolley wire, 1; 
overheated stove, 1. 

Unknown, 2; overheated stove, 1; defective flue, 1. 

Electric light wire, 1. 

Sparks from locomotive, 1; sparks from chimney, 1. 

Spontaneous combustion, 3; friction, 3; sparks 
from picker, 5; rats and matches, 1; heat from 
sun through glass, 1; unknown, 2; sparks from 
chimney, 1. 

Spontaneous combustion, 2; unknown, 2; steam 
pipe and woodwork, 1. 

Unknown, 2. 

Unknown, 1; benzine igniting, 1; overheated bear- 
ings, 1; spontaneous combustion oily rags, 1. 

Exposure, 4; sparks from stove, 1; unknown, 3; 
careless use of matches, 2 ; lamp and woodwork, 
] ; spontaneous combustion. 1; defective flue, 1; 
overheated stove, 2; explosion gasoline stove, 1; 
clothing near stove, 1 ; explosion oil stove, 1 ; rats 
and matches, 1. 

Exposure, 1. 

Igniting of phosphorus, 1; overheated furnace 
pipe, 1; alcohol lamp, 1; explosion of camphor, 
1 ; careless use of matches, 1 ; explosion lamp, 1 ; 
unknown, 6; rats and matches, 2; spontaneous 
combustion, 1 ; exposure, 1; breaking lamp, 2; 
defective flue, 1. 

Gas near goods, 2; electric wires, 1; exposure, 4; 
unknown, 13; incendiary, 1; slaking lime, 1; 
gas jet and curtain, 2; defective chimney, 1; 
overheated stove, 2; lamp and curtain, 1; hot 
ashes in wooden box, 1; rats and matches, 2. 

Sparks from furnace, 1; overheated dry house, 1. 

Unknown, 332; incendiary, 76; defective chimney, 
150; exposure, 37; kt-rosene oil (breakage and 
explosion) , 195 ; careless use of matches, 56 ; fire- 
crackers, 34; overheated stove or furnace, 80; 
children and matches, 92; careless smoking, 37; 
smoking in bed, 8; sparks from chimney, 69; 
gas jet and curtain, 59; lightning, 24; sparks 
from locomotive, 5; spontaneous combustion 
oily rags, 9; spontaneous combustion (cause 
unknown), 18; mice and matches, 44; ashes in 
wooden vessels, 28; woodwork near gas or 
candle, 16; volatile oil (ignition of), 6; fat boil- 
ing over, 4; electric wires, 3; sparks from stove 
or fire place, 23; cigar stub in wooden spittoon, 
1; clothing near stove, 10; thawing water pipes, 
34; explosion of gas, 13; tea boiling over, 1; 
rags in funnel hole, 2; overheated steam pipes, 
5; starting fire with kerosene, 2; overheated 
oven, 1; plumbers' lire pot, 3; slaking lime, 5; 
burning sulphur (fumigating), 1; reflected rays 
of sun, 1; burning off paint, 1; gas leaking, 1; 
wax boiling over, 2; bonfires, 5; explosion of 
chemicals, 1; explosion barrel of whiskey, 1; 
upsetting stove, 2; explosion oil stove, 38; defec- 
tive flue, 37; sparks from fire eugine, 2. 

Gasoline stove, explosion of, 1. 

Unknown, 1; careless smoking, 1; exposure, 1; 
incendiary, 1. 

Unknown, 33; defective chimney, 8; lantern in 
hay, 1; hot ashes on floor, 1; defective flue, 1; 
exposure, 5; sparks from chimney, 2; children 
and matches, 1; boiling over kettle of tar, 1; 
sparks from charcoal, 1 ; careless use of matches, 
2; explosion lantern, 2; explosion lamp, 1 ; light- 
ning, 3; spontaneous combustion oily rags, 1. 



lxxiv 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Causes or Fire. 



Fireworks (stores), . 
Forest fires, 

Flour and grist mills, 

Foundries and wire mills, 



Fruit stores, 
Furniture factories, . 

Furniture stores, 

Gas works, .... 

Glass works, 
Glue factories, . 

Grain stores and elevators, 



. (2) 



(56) < 



• (6) j 



(13)< 

I 

r 

(10) \ 



. en) 



(12) <: 



Greenhouses, . 



• (4) 

. (2) 

• (2) 

. (3) 

. (5) 



Groceries (including general country 
stores), (82) j 



Henneries, . 
Hardware 6tores, 

Hat factories. 
Harness makers, 

Hotels, . 

Hospitals, . 
Ice houses, . 

Jewelry stores, . 

Junk shops, 

Lamp black makers, 
Lamp stores, 

Laundries, . 



(5) 



(15)^ 
I 

I 
(3) \ 

(9) 



r 

I 

. (46) < 

i 

■ (1) l 

• (ID j 

• (5) ! 

• (7) 

• (2) 

• (2) 

f 

• (1D4 



Explosion of materials, 2. 

Bonfires, 8 ; careless smoking, 1 ; sparks from loco- 
motive, 19; unknown, 13; hunters shooting, 6; 
clambake, 1; berry pickers, 1; incendiary. 3; 
children and matches, 3 ; careless use of matches, 
1. 

Spontaneous combustion, 1; unknown, 3; incen- 
diary, 1 ; lamp and paper, 1. 

Sparks from hot iron, 1 ; spontaneous combustion, 
1; oil furnaces, 1; lightning, 1; unknown, 3; 
overheated machinery, 1; overheated furnace, 
2; sparks from chimney, 1; bonfire, 1; sparks 
from furnace, 1. 

Explosion of lamp, 3; lamp and woodwork, 1; 
careless use of matches, I; gas jet and curtain, 
1; unknown, 2; overheated stove, 1; electric 
light wire, 1. 

Oily waste, 1; careless use of matches, 1; un- 
known, 7; careless smoking, 1; spontaneous 
combustion, 1. 

Incendiary, 1; unknown, 4; defective flue, 1; 
sparks from pipe, 1; explosion of lamp, 1; 
explosion benzine, 1; spontaneous combustion 
oily rags, 1; exposure, 1; careless smoking, 1. 

Explosion gas, 2; careless smoking, 1; unknown, 
1. 

Unknown, 1 ; explosion barrel kerosene, 1 

Incendiary, 2. 

Overheated stove, 1; incendiary, 1; sparks from 
locomotive, 1. 

Incendiary, 1; overheated furnace, 1; unknown, 
2; sparks from locomotive, 1. 

Overheated stove, 5; exposure, 9; fire-crackers, 
1; explosion lamp, 5; defective chimney, 3; cigar 
in wood box, 1; overheated oven, 1; rats and 
matches, 4; incendiary, 7; electric light wire, 
2; fireworks, 1; candle and straw, 1; careless 
use of matches, 2; children and matches, 2; 
breaking lamp, 1; sparks from fireplace, 2; 
cigar stub in waste basket, 1 ; overheated fur- 
nace, 1 ; careless smoking, 1 ; explosion oil stove, 
1; thawing water pipes, 1; spontaneous com- 
bustion oily rags, 1 ; unknown, 29 

Incendiary, 1; unknown, 1 ; explosion oil lamp, 3. 

Oily rags, 2; unknown, 2; breaking lamp, 1 ; care- 
less smoking, 1 ; defective chimm-y, 1 ; exposure, 
1; ashes in wooden box, I; spontaneous com- 
bustion, 2; explosion lamp, 2; gas jet and cur- 
tain, 1; explosion naphtha, 1. 

Exposure, 1; ashes in wooden box, 1; unknown, 
1. 

Careless smoking, 1 ; exposure, 4; explosion lamp, 
2; spontaneous combustion, 2. 

Careless use of matches, 2; unknown, 15; electric 
wire, 2; defective chimney, 5; exposure. 7; de- 
fective flue, 5; candle and curtain, 1; incendi- 
ary, 2; overheated stove, 1; sparks from stove, 
2; fire crackers, 2; boiling over of fat, 1; sparks 
from chimney, 1. 

Exposure, 1. 

Unknown, 5; children and matches, 1; incendi- 
ary, 3; exposure, 2. 

Exposure, 2; electric wire, 1; gas jet and benzine, 
1 ; unknown, 1. 

Unknown, 1; children and matches, 1 ; spontane- 
ous combustion, 1; incendiary, 3; sparks from 
stove, 1. 

Spontaneous combustion. 2. 

Unknown, 1 ; electric light wire, 1. 

Ashes in wooden barrel, 1 ; overheated furnace, 1 ; 
sparks from stove, 1; thawing water pipes. 1; 
defective chimney, 1; unknown, 2; overheated 
stove, 2; careless smoking, 1; explosion of gaso- 
line, 1. 



LXSUKAXCE COMMISSIONER. 



lxxv 



Table XVI. — Causes of Fires Classified — Contiaued, 



Property. 



Causes of Fire. 



Leather stores, . 
Liquor stores, 

Livery stables, . 

Lodge rooms, 

Lumber yards and wharves, 

Markets (meat and fish), . 



Machine shops, 



Millinery stores, 



(12) 

(8; 

(11) 

(3) 

(10) 



(10) < 



(29)< 



Oil store, 

Oil clothing factory, 

Oil refineries, 



Paint shops, 

Paper mills, 

Paper and twine stores, 

Photographers, . 
Picture frame makers, 
Piano factories, . 

Plumbers, . 

Potteries, 

Printing offices, . 



Public buildings, 

Railroad depots and buildings, 

Rubber mills, ... 

Rubber stores, . 
Sail makers, 

Saw and planing mills, 
School-houses, . 



(10) 



(4) 
(2) 
(2) 



(24)4 

I 
i 

I 

(4) 



(5) 

(4) 
(3) 
(1) 
(5) 

(I) r 

(21) \ 

I 

r 

i 

i 

i 
r 

(ii) < 



(4) 



(2) 

(5) J 

r 

(15) < 



(24)4 



Exposure, 9; unknown, 1; sparks from boiler, 1 ; 
incendiary, 1. 

Exposure, 2; cigar in spittoon, 2; careless use of 
matches, 1; «as jet and curtain, 1; breaking 
lamp, 1 ; explosion of lamp, 1. 

Clothing and stove, 1; careless smoking, 1; chil- 
dren and matches, 1; unknown, 5; overheated 
stove, 1; careless use of matches, 1; exposure, 1. 

Unknown, 3. 

Spontaneous combustion, 1; unknown, 4; chil- 
dren and matches, 1; sparks from locomotive, 
2; incendiary, 2. 

Defective gas stove, 1; unknown, 3; spontaneous 
combustion, 1 ; electric light wire, 1; fireworks, 
1; defective furnace, 1; rats and matches, 1; 
breaking lamp, 1. 

Sparks from furnace, 1; oily waste, 1; overheated 
stove, 1; lamp and oily waste, 1; exposure, 4; 
unknown, 11; spontaneous combustion, 2; fric- 
tion from belting, 1; breaking lamp, 1; defec- 
tive chimney, 1; overheated boiler, 1 ; explosion 
oil stove, 1 ; sparks from boiler, 1 ; incendiary, 1 ; 
hot ashes in wooden box, 1. 

Careless use of matches, 2; alcohol igniting, 1; 
gas jet and curtain, 1; unknown, 2; gas jet and 
handkerchief, 1; spontaneous combustion oily 
rags, 1; explosion of lamp, 1; defective chim- 
ney, 1. 

Overheated journal, 1; unknown, 2; exposure, 1. 

Fire from boiler igniting oil, 1; unknown, 1. 

L'nknown, 2. 

Unknown, 7; boiling over of varnish, 2; benzine 
and matches, 1 ; spontaneous combustion, 3; ex- 
posure, 2; incendiary, 1; careless smoking, 1; 
defective chimney, 1; overheated machinery, 
1; defective flue, 1; careless use of matches, 1; 
breaking of lantern, 1 ; overheated stove, 2. 

Exposure, 1 ; rats and matches, 1 ; unknown, 2. 

Electric light wire, 1; sparks from chimney, 1; 
fireworks, 1; sparks from stove, 1; dropping 
lamp, 1. 

Incendiary, 1; unknown, 2; oil stove and ether, 1. 

Unknown, 3. 

Lightning, 1. 

Exposure, 1; candle and oakum, 1; careless smok- 
ing, 1; unknown, 2. 

L'nknown, 1. 

Unknown, 13; defective dynamo, 1; sparks from 
boiler, 1 ; sparks from locomotive, 1 ; defective 
flue, 1 ; explosion of oil stove, 1 ; breaking lamp, 
1; ashes in barrel, 1; incendiary, 1. 

Incendiary, 3; explosion of lamp, 1; explosion of 
oil stove, 1 ; overheated steam pipe, 1 ; defective 
chimney,!; defective flue, 1; spontaneous com- 
bustion, 1; unknown, 6; overheated stove, 1; 
exposure, 2. 

Defective chimney, 2; sparks from locomotive, 4; 
careless smoking, 1 ; spontaneous combustion, 1 ; 
spontaneous, combustion oily rags, 1; electric 
light wire, 1 ; electric switch, 1. 

Electricity 'from machinery, 1; overheated dry 
rooms, 1; spontaneous combustion, 1; explosion 
of naphtha, 1. 

Exposure, 2. 

Unknown, 2; fire-crackers, 1; careless use of 
matches, 1; cigar stub in spittoon, 1. 

Overheated machinery, 2; unknown, 6; sparks 
from chimney, 2; sparks from boiler, 2; sparks 
from stove, 1; sparks from locomotive, 1 ; incen- 
diary, 1. 

Overheated stove, 2; overheated furnace, 3; de- 
fective chimney, 5; unknown, 8; caudle and 
woodwork, 1; lightning, 1; ashes in barrel, 1; 
incendiary, 3. 



lxxvi 



ukport of the 



Table XVI. — Causes of Fires Classified — Concluded. 



Property. 



Causes of Fire. 



Sheds and out-buildings, 



Ship chandlers, . 



Shoe factories, . 



Shoe stores, 

Slaughter-houses, 
Smoke houses, . 

Soap makers, 

Stone workers, . 



Storehouses, 

Stove and tinware shops, . 
Straw hat factories, . 



Tailors, 



. (56) <J 



• CD 



(43) < 



Tanneries, curriers and morocco 
dressers 



Thread and twine mills, . 
Toy stores, .... 
Unclassed, .... 
Undertakers, 

Unoccupied, 
Vessels at wharf, 
Wood and coal yards, 

$ 
Wood-workers (with power), 



(15) \ 
(5) 

(5) ; 

(3) 

r 



(59) < 



(9) | 

(3) ; 
r 

I! 

(») < 

I 

i 

t 
(12) | 

(2) 
(1) 
(2) 
(3) 



(60) 

(9) || 
(10) | 

f 

j 

(36) \ 



Wood-workers (without power), . (15) 



Woollen mills, 
Wool stores, 



(10) < 
(3) 



Hot ashes in barrel, 2; children and match- - 
by order of city council. 1 ; fire-crackers, 1 ; un- 
known, 12; exposure, 2; incendiary, 15; care- 
less smoking, 2; explosion of lamp, 1; bonfire, 
2; overheated stove, 1; sparks from chimney, 1; 
careless use of matches, 1; sparks from loco- 
motive, I. 

Unknown, 1. 

Spontaneous combustion oily waste, 1; lightning, 
1; spontaneous combustion, 6; gas jet and 
woodwork, 2; unknown, 18; incendiary, 2; ex- 
posure, 3; overheated stove, 2; defective chim- 
ney, 2; overheated cement, 1; children and 
matches, 1 ; sparks from stove, 1 ; sparks from 
furnace, 1; overheated boiler, 1; explosion of 
lamp, 1. 

Exposure, 1; unknown, 6; breaking lamp, 2; in- 
cendiary, 1; explosion of oil stove, 1; clothing 
and stove, 1; explosion of lamp, 1; lamp near 
woodwork, 1; careless use of matches, 1. 

Unknown, 4; incendiary, 1. 

Overheated oven, 2; unknown, 3. 

Unknown, 1; overheated boiler, 1; sparks from 
chimney, 1; fire-cracker 

Unknown, 2; mice and matches, 1. 

Unknown, 17; explosion naphtha, 2; overheated 
boiler, 1; overheated stove, 1; careless use of 
matches, 1; sparks from locomotive, 5; light- 
ning. 1; exposure, 5; sparks from furnace, 1; 
children and matches, 1; spontaneous combus- 
tion, 5; incendiary, 6; spontaneous combustion 
oily rags, 4; careless smoking, 1; hot ashes in 
barrel, 1; sparks from chimney, 3; exposure, 4. 

Electric motor, 1; explosion lamp, 1; overheated 
stove, 1 ; spontaneous combustion oily ra_ 
unknown, 5. 

Sparks from locomotive, 1 ; overheated dry room, 
1; unknown, 1. 

Thawing water pipes, 1; careless use of matches, 
1; careless smoking. 3; unknown, 9; rats and 
matches, 3; electric light wire, 1 ; fireworks. 1; 
explosion lamp, 2; incendiary, 2; explosion oil 
stove, 1; overheated stove, 2; explosion volatile 
oil. 2; hot iron on wood, 1. 

Sparks from chimney, 2; overheated machinery, 
-parks from boiler, 1; sparks from stove, 1; 
lightning, 1; unknown, 4. 

Exposure, 1; unknown, 1. 

Unknown, 1. 

Unknown, 2. 

Unknown, 1; careless smokine, 1; lightning, 1. 

Unknown, 30; incendiary, IS; overheated stove, 
3; exposure, 6; spontaneous combustion oily 
rags, 3. 

Unknown, 4; overheated stove, 2; spontaneous 
combustion, 2; slaking lime, 1. 

Explosion of lamp, 1; bonfire, 1; overheated 
stove, 1; sparks from locomotive, 1; unknown, 
4; incendiary, J 

Overheated stove, 1; spontaneous combustion, 6; 
unknown, 16; sparks from chimney, 1; break- 
ing lamp, 1 ; fireworks, 1; explosion of naphtha, 
1; sparks from furnace, 2; sparks from stove, 
2 ; sparks from locomotive, 1 ; sparks from fire 
box, 1; overheated steam pipe, 1; incendia 

Unknown, 5; overheated stove, 1; electric light 
wire. 1; sparks from chimney, 2; lightning, 1; 
incendiary, 3; exposure, 2. 

Unknown, 1; spontaneous combustion, 4; lamp 
and woodwork, 1; breaking lamp, 1 ; lamp near 
oil, 1 ; overheated steam pipe, 1; defective chim- 
ney, 1. 

Spontaneous combustion oily wool , 2 ; unknown, 1 . 



INSURANCE COMMISSIONER. 



lxxvii 



Table XVII. — Summary of Causes. 







1893. 


1893. 


1891. 


1890. 


1889. 


1888. 


1887. 


1886. 


1885. 


Unknown, .... 


897 


865 


656 


487 


546 


605 


507 


484 


466 


Incendiary 


273 


280 


303 


251 


235 


231 


256 


289 


278 


Defective chimney, . 


251 


151 


222 


220 


165 


196 


222 


168 


158 


Exposure, .... 


257 


234 


239 


143 


477 


205 


183 


210 


204 


Kerosene oil (breakage and 




















explosion), 


309 


258 


248 


235 


217 


188 


176 


116 


114 


Careless use of matches, . 


91 


83 


98 


81 


90 


113 


89 


62 


48 


Fire-crackers, 


47 


43 


25 


30 


3 


87 


85 


34 


16 


Overheated stove or furnace, 


245 


228 


106 


101 


98 


93 


83 


80 


68 


Children playing with 




















matches, .... 


141 


123 


164 


127 


116 


89 


75 


54 


61 


Smoking, .... 


78 


40 


44 


32 


33 


49 


58 


20 


32 


Smoking in bed, . 


13 


8 


12 


6 


3 


3 


14 


14 


- 


Sparks from chimney, 


97 


97 


67 


56 


43 


59 


49 


30 


75 


Curtains and goods exposed 




















to gas or candle, 


39 


72 


63 


46 


38 


45 


48 


31 


49 


Lightning, .... 


34 


65 


31 


45 


25 


42 


47 


28 


37 


Sparks from locomotive, . 


48 


68 


60 


48 


34 


42 


38 


23 


15 


From fire-box(boiler room), 


13 


14 


25 


18 


17 


10 


26 


18 


11 


Spontaneous combustion, 




















oily rags, .... 


39 


16 


41 


35 


45 


27 


26 


- 


- 


Spontaneous combustion, 




















cause unknown, 


90 


120 


61 


88 


28 


51 


23 


61 


60 


Mice and matches, 


83 


73 


73 


50 


25 


31 


25 


18 


10 


Soot iguiting, 


- 


11 


34 


28 


35 


29 


18 


20 


8 


Ashes in wooden vessels, . 


39 


35 


29 


36 


19 


34 


17 


21 


14 


Woodwork near stove or 




















funnel, .... 


- 


6 


13 


18 


11 


18 


17 


5 


11 


Woodwork near gas or 




















candle, .... 


10 


26 


19 


16 


14 


16 


_ 


5 


_ 


Volatile oil, ignition of, 


13 


22 


23 


20 


16 


21 


15 


15 


10 


Overheated journal, . 


5 


23 


15 


12 


17 


13 


14 


10 


13 


Fat boiling over, . 


8 


14 


9 


18 


9 


6 


14 


4 


7 


Electric wires, . 


23 


21 


18 


21 


7 


8 


14 


4 


3 


8parks from picker, . 


5 


4 


15 


11 


6 


6 


12 


9 


2 


Sparks from stove or fire- 




















place, .... 


25 


22 


19 


25 


7 


26 


11 


8 


12 


Cigar stub in wooden spit- 




















toon 


9 


23 


28 


20 


15 


9 


10 


7 


_ 


Clothes drying near stove, . 


15 


17 


17 


21 


12 


15 


10 


5 


7 


Hot iron on woodwork, 


- 


- 


8 


5 


7 


4 


7 


3 


1 


Sparks from forge, 


4 


13 


7 


6 


8 


5 


7 


5 


2 


Thawing water pipe, . 


40 


28 


6 


12 


8 


27 


7 


15 


12 


Explosion of gas, 


23 


8 


7 


11 


8 


5 


5 


3 


3 


Tar boiling over, 


1 


8 


2 


1 


4 


1 


4 


2 


4 


Rags in funnel hole, . 


- 


- 


1 


1 


2 


_ 


4 


2 




Timber built into chimney, 


- 


- 


1 


5 


- 


- 


3 


_ 


2 


Overheated steam pipe, 


13 


4 


8 


3 


4 


7 


3 


4 


_ 


Starting fire with kerosene, 


2 


9 


1 


3 


2 


4 


3 


4 


_ 


Overheated oven, 


11 


4 


4 


7 


8 


5 


2 


3 


_ 


Tramps 


18 


- 


14 


16 


14 


10 


2 


10 


4 


Sparks from emery wheel, . 


- 


- 


5 


2 


1 


- 


1 


_ 


_ 


Plumbers' fire-pot, 


1 


8 


10 


4 


7 


4 


_ 


3 


5 


Slaking lime, 


7 


2 


6 


7 


1 


5 


1 


3 


3 


Sparks from kiln (brick), . 


- 


- 


3 


7 


3 


_ 


_ 


3 


1 


Explosion of boiler, . 


- 


- 


- 


4 


1 


_ 


_ 


2 


2 


Burning sulphur (fumigat- 




















ing) 


2 


3 


5 


4 


2 


_ 


_ 


_ 


_ 


Reflected rays of the sun, . 


2 


- 


_ 


1 


2 


_ 


_ 


_ 


_ 


Sparks from smelting fur- 




















nace, 


2 


4 


- 


3 


- 


_ 


_ 


_ 


_ 


Burning off paint, 


1 


1 


1 


2 


_ 


_ 


_ 


_ 


_ 


Melting resin, 


- 


- 


_ 


4 


_ 


_ 


„ 


_ 


_ 


Gas leaking, 


- 


9 


9 


5 


_ 


_ 


_ 


_ 


_ 


Open funnel hrile, 


1 


- 


1 


7 


_ 


_ 


_ 


_ 


_ 


Railroad collisiuu, 


_ 


_ 


_ 


2 


_ 


_ 


_ 


_ 


_ 


Overheated kiln, . 


4 


_ 


2 


_ 


_ 


_ 


„. 


_ 


_ 


Overheated cupola, 


_ 


_ 


3 


., 


_ 


_ 


_ 


_ 


— 


Wax boiling over, 


5 


_ 


1 


_ 


_ 


_ 


_ 


_ 


_ 


Powder explosions, . 


_ 


_ 


1 


_ 


_ 


_ 


m 


_ 




Spontaneous combustion of 




















coal, 


. 


_ 


9 


_ 


_ 


_ 


_ 


_ 


_ 


Bonfires, .... 


23 


22 


_ 


_ 


_ 


_ 


_ 


_ 


_ 


Explosion of chemicals, 


7 


3 


_ 


_ 


_ 


_ 


_ 


_ 


_ 


Explosion of barrel of 




















whiskey, .... 


_ 


1 


_ 


_ 


_ 


_ 


_ 


_ 




Sparks from fire engine, . 


1 


1 


- 


" 


- 


- 


- 


- 


- 




3,365 


3,190 


2,892 


2,471 


2,490 


2,446 


2,238 


1,920 


1,828 



lxxviii 



REPORT OF THE 



Table XVIII. — Fires by Months for Sixteen Years. 



YEAR. 


>> 

i- 
m 

s 
p 

cS 
>-8 


>> 

>- 

s 

b 

m 


la 

a 


a 
< 




• 
a 
s 




►a 


a? 

a 

it, 

< 


C 

s 

.3 

E 
■ 

CD 


• 
o 

O 

o 


November. 


I tecember, 


'S 


1878, . 


168 


107 


126 


141 


162 


125 


155 


133 


142 


170 


157 


142 


1,725 


1879, . 


161 


155 


144 


190 


134 


129 


164 


141 


146 


162 


147 


179 


1,852 


1880, . 


108 


143 


137 


147 


116 


133 


157 


155 


124 


173 


144 


185 


1,722 


1881, . 


175 


142 


135 


195 


131 


101 


163 


100 


111 


193 


132 


116 


1,694 


1SS2, . 


143 


126 


130 


174 


150 


194 


147 


151 


97 


145 


172 


129 


1,755 


1883,* 


187 


130 


156 


140 


192 


151 


245 


286 


222 


129 


169 


226 


2,233 


1SS4, . 


191 


137 


117 


117 


163 


219 


268 


130 


138 


178 


158 


195 


2,011 


1885, . 


175 


117 


164 


206 


145 


156 


190 


133 


162 


143 


91 


146 




1886, . 


142 


172 


159 


159 


136 


155 


223 


124 


149 


169 


147 




1,920 


1887, . 


161 


138 


170 


180 


324 


161 


251 


146 


134 


202 179 


192 


2,238 


1888, . 


225 


154 


199 


265 


198 


175 


335 


172 


147 


151 176 


249 


2,446 


1889, . 


201 


183 


229 


221 


203 


150 


157 


141 


145 


187 495 


175 


2,490 


1890, . 


228 


172 


180 


278 


181 


172 


308 


183 


146 


189 175 


259 


2,471 


1891, . 


189 


195 


212 


292 


271 


226 


268 


232 


183 


248 287 


2S9 




1892, . 


233 


228 


298 


436 


227 


229 


308 


223 


214 


258 238 


298 


3,190 


1893, . 


303 


220 


289 


255 


271 


203 


409 


258 


273 


267 301 


316 


3,365 


Totals, . 


2,990 


2,519 


2,845 


3,396 


3,004 


2,679 


3,748 


2,708 


2,533 


2,964 5,171 


3,251 


35,838 


Averages, 


186 


157 


178 


212 


188 


167 


234 


169 


158 


185 | 198 


205 


2,239 



* Prior to 1883 no returns were made of " forest fires," and consequently they do not appear 
in the tabulation until that year. They are included each year since, averaging 81 per year, and 
to that extent increasing the total in the later over former years. 



INSURANCE COMMISSIONER. 



IXX1X 



Table XIX. — Statement of the Receipts and Expenditures of the 
Insurance Department for the Year ending Dec. 31, 1893. 

[Made pursuant to Chap. 214, Sect. 17, Acts of 1887.] 

Receipts. 



Compensation for valuation of life insurance policies, 
License fees, filing 1 statements, certificates, etc., 



525,793 13 
36,064 00 



,857 13 



Expenditures. 



Commissioner. 














$3,500 00 


Deputy Commissioner. 














2,500 00 


Clerks. 








Fred L Cutting, First, 


$2,000 00 




Henry M. Billing's, Second, 


1,500 


00 




Arthur E. Linnell, Third, 


1,200 


00 


4,700 00 


Extra Clerks. 






Emma W. Cnshman, 


$1,500 00 




Alice M. Hawes, . 










1,200 


00 




Charlotte E. Weis, 










1,000 


00 




Mary E. Burrill, . 










1,000 


00 




Caroline L. Sawyer, 










840 


00 




Mary L. McMann, 










840 


00 




Ella L. Johnson, . 










840 


00 




Sarah E. Flint, 










840 


00 




Florence E. Gowell, 










840 


00 




Frances M. Robbins, 










840 


00 




Fannie M. Page, . 










840 


00 




Grace L. Moore, . 










840 


00 




Letitia H. Young, 










680 


00 




Minnie F. Whipple, 










644 52 




Grace C. Stud lev, 










636 


00 




Virginia I. Bryant, 










600 


00 




Grace M. Hall, . 










469 


35 










14,449 87 






General Expenses. 








Printing and binding, 


$1,095 


73 




Travelling expenses, . 








343 


91 




Postage, 








632 


00 




Stationery, . 








89 


69 




Telegrams and express, 








195 


01 




Books, newspapers, etc., 








66 


37 


. 


Stenographic work, etc , 








181 


16 










2,603 87 








Total expenditures for 1893, 


$27,753 74 


Fees collected and paid into State Treasury, 


' 




61,857 13 


Surplus accrued to 


Com 


monwealt 


h, . 




$34,103 39 



MASSACHUSETTS MUTUAL 

FIRE INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year Ending 

December 31, 1893. 



ABINGTON MUTUAL FIRE INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[Incorporated May 30, 1856. Commenced business June 15, 1857.] 
HENRY B. PEIRCE, President. CARLOS P. FAUNCE, Secretary. 

Amount of permanent fund, $41,728 54 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

N. E. Telephone and Telegraph Co. bonds, . $1,000 00 $1,025 00 

Boston United Gas Co. bonds, .... 2,000 00 1,620 00 

Marion County (Ind.) bonds, .... 1,000 00 1,050 00 

Ramsey County (Minn.) bonds, . . . 3,000 00 3,325 00 

Equitable Mortgage Co. debenture bonds, . 1,000 00 900 00 

Toledo (Ohio) city bonds, .... 2,000 00 2,180 00 

Lincoln (Neb.) city bonds 2,000 00 2,000 00 

St. Paul (Minn.) city bonds 1,000 00 1,225 00 

Los Angeles (Cal.) sewer imp. bonds, . . 2,000 00 2,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 2,500 00 2,606 25 

Portland & Ogdensburg R.R. bonds, . . 5,000 00 5,212 50 

Naumkeag Street Railway bonds, . . . 3,000 00 3,000 00 

Rutland R.R. bonds, 3,000 00 3,300 00 

East Middlesex Street Railway bonds, . . 1,000 00 1,000 00 

Trenton Passenger Railway bonds, . . . 2,000 00 2,245 00 

20 shares Oregon Railway & Navigation Co., . 2,000 00 600 00 
10 " State National Bank, Boston, . . 1,000 00 1,080 00 
10 " Nat'l Hide & Leather Bank, Boston, 1,000 00 1,060 00 
14 " First National Bank, Salem, . . 1,400 0C 1,680 00 

21 " First National Bank, Danvers, . . 1,575 00 1,701 00 
34 " Metropolitan National Bank, Boston, 3,400 00 3,332 00 

5 " Old Boston National Bank, Boston, . 500 00 500 00 

20 " South End National Bank, Boston, . 2,000-00 1,800 00 

13 " Abington National Bank, Abington, 1,300 00 1,820 00 

5 " Whitman National Bank, Whitman, 500 00 510 00 



Securities held as collateral for cash loans : — 
Rockland & Abington Street R'y Co., 5 shares, 



$46,175 00 $46,771 75 



Market Value. Loaned Thereon. 

$500 00 $300 00 



ABINGTON MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens) 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Loans on personal security, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Premiums in course of collection (gross), 

Interest due and accrued, .... 

Balances due on real estate sold, 

Due for salvage, 

Gross assets, 



31, 1893. 

$934 03 

32,850 00 

46,771 75 

300 00 

3,000 00 

32 86 

4,963 78 

2,270 91 

1,337 77 

5,645 06 

454 56 



,560 72 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Due for borrowed money, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



$7,846 68 

1,812 50 

1,531 66 

63,760 75 

1,107 26 

348 44 

545 00 



76,952 29 



Net cash assets, 



$21,608 43 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

from all other sources, 

Gross cash income, 



$48,775 91 
3,929 62 

$44,846 29 

2,060 41 

3,295 13 

125 00 

212 28 

$50,539 11 



Expenditures. 



Paid for losses during the year, 
Deduct re-insurance, 



Net paid for losses, 

Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 



$23,991 46' 
19 34 

$23,972 12 

7,072 43 

3,501 90 

48 33 



4 ANNISQUAM MUTUAL FIRE INSURANCE CO. 

Paid for State and local taxes, $650 46 

for rents, 485 75 

for profits or surplus on terminated policies, . . . 16,679 26 

for incidental expenses, 1,460 04 



Gross cash expenditures, $53,870 29 

Miscellaneous. 

Amount. Cash Prem'8. Conting't Prem's. 

Risks outstanding Dec. 31,1892, $8,583,333 00 $129,043 62 $129,043 62 

Risks written during 1893, . 3,419,174 00 48,189 47 48,189 47 



Total, $12,002,507 00 $177,233 09 $177,233 09 

Risks terminated during 1893, . 3,358,325 00 47,356 28 47,356 28 



In force at end of year, . . $8,644,182 00 $129,876 81 $129,876 81 
Deduct amount re-insured, . 195,461 00 2,355 30 2,355 30 



Net amount in force, . . $8,448,72100 $127,52151 $127,52151 

Losses incurred during the year, $30,796 08 

Percentage of profits or surplus returned during 1893, 25, 40 and 60 per cent. 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 1, 1847. Commenced business Dec. 28, 1847.] 

MOSES H. CLOUGH, President. JAMES S. JEWETT, Secretary. 

[Note. — This company charges a cash premium adequate for expenses only, and relies upon 
assessments on deposit notes to pay losses.] 

Amount of permanent fund Dec. 31, 1892, .... $338 60 

Increase during the year, 52 7 1 



Permanent fund Dec. 31, 1893, $39131 



Summary of Assets Dec. 31, 1893. 

ens), $3,125 00 

562 50 

192 56 

4,239 86 

53 64 

$85 00 



Loans on mortgage of real estate (first 1 

United States bonds, . 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest accrued, 

Safe, 

Gross assets. 



$8,173 56 



ARKWRIGHT MUTUAL FIRE INSURANCE CO. 



Income. 

Received for interest on mortgages, 

for interest from all other sources, . 
from expense assessments, 



Gross cash income, 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for rents, 

for expense assessments returned, . 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 



Total, 

Risks terminated during 1893, . 

In force at end of year, . 
Losses incurred during the year, 



$256 


60 


76 


10 


318 56 



$651 26 



$5 20 


350 00 


10 00 


233 68 


14 04 



Amount. 

$346,455 00 
77,775 00 



$424,230 00 
71,575 00 



$612 92 



Conting't Prem's. 

$22,699 35 
5,095 00 

$27,794 35 
5,056 50 



$352,655 00 $22,737 85 

s 

$5 20 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 
R. W. TOPPAN, President. D. W. BARTLETT, Secretary. 

Office, No. 31 Milk Street. 



Detailed Statement of 



United States bonds, . 
Cambridge city bonds, 
Boston city bonds. 
Providence city bonds, 
Waltham city bonds, 
Lowell city bonds, . 
Springfield city bonds, 
Worcester city bonds, 
Town of Brookline bonds, 
Boston & Albany Railroad bonds, 



Stocks, Bonds, etc. 

Par Value. 

$25,000 00 
15,000 00 
20,000 00 
45,000 00 
10,000 00 
20,000 00 
20,000 00 
25,000 00 
10,000 00 
3,000 00 



Market Value. 

$28,125 00 
15,450 00 
23,200 00 
48,150 00 
10,200 00 
20,800 00 
20,400 00 
24,375 00 
10,000 00 
3,090 00 



ARK WRIGHT MUTUAL FIRE INSURANCE CO. 



Fitchburg Railroad bonds, 

Eastern Railroad bonds, .... 

Old Colony Railroad bonds, 

Boston & Lowell Railroad bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

Boston & Maine Railroad bonds, 

Philadelphia, Wilm. & Baltimore R.R. bonds 

New York, Providence & Boston R R. bonds, 

Boston & Providence Railroad bonds, 

Lake Shore & Michigan Southern R.R. bonds, 

Pennsylvania Company bonds, 

Chicago June. R.R. & Union St'k Y'ds bonds, 

50 shares Chicago, Burlington & Quincy R.R., 



Par Value. 

? 10,000 00 
35,000 00 
47,000 00 
61,000 00 
85,000 00 
20,000 00 
20,000 00 
10,000 00 
20,000 00 
30,000 00 
30,000 00 
25,000 00 
5,000 00 



Market Value. 

$9,450 00 
41,125 00 
47,350 00 
60,690 00 
89,200 00 
19,800 00 
21,000 00 
10,000 00 
20,400 00 
36,300 00 
30,900 00 
25,000 00 
3,750 00 



$591,000 00 $618,755 00 



Summary of Assets Dec. 31, 1893. 

Stocks, bonds, etc., as per schedule, . . $618,755 00 

Cash in the office of the company, . . . 209 40 

Cash deposited in bank, 61,427 70 

Premiums in course of collection (gross), . 2,056 40 

Interest accrued, 8,850 82 

Gross assets, $691,299 32 

Liabilities. 

Unearned premiums on outstanding risks, . $369,385 32 

Taxes accrued, 1,216 70 

Gross liabilities, 370,602 02 

Net cash assets £320,697 30 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 



Gross cash income, 



$766,088 49 
26,048 20 

$740,040 29 
28,098 59 

$768,138 88 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 

Gross cash expenditures, .... 



?187,254 36 

21,184 45 

7,354 08 

1,090 80 

527,829 21 

13,391 40 

6,014 57 

$764,118 87 



ASHFIELD MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $85,842,086 00 $708,050 82 $3,540,254 10 

Risks written during 1893, 94,477,428 00 766,287 82 3,831,439 10 



Total, .... $180,319,514 00 $1,474,338 64 $7,371,693 20 
Risks terminated during 1893, 89,187,297 00 735,567 99 3,677,839 95 



In force at end of year, . $91,132,217 00 $738,770 65 $3,693,853 25 

Losses incurred during the year, $178,494 70 

Percentage of profits or surplus returned during 1893, 73^0 per cent. 
Average rate to date, 72^ per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, 

ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 
CHARLES HOWES, President. HENRY S. RANNEY, Secretary. 

Summary of Assets Dec. 31, 1893. 

Loans on personal security, .... $9 14 

Cash deposited in bank, 904 77 

Gross assets, $913 91 

Income. 
Cash premiums received daring the year, . . . . $138 47 

Received for interest from all sources, . 29 53 



Gross cash income, $168 00 

Expenditures. 

Paid for salaries and fees of officers and employees, . . $2 00 

for State and local taxes, 1 33 

for incidental expenses, . 9 76 



Gross cash expenditures, $13 09 

Miscellaneous. 

Amount. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, . . . $41,594 00 $1,349 10 

Risks written during 1893, .... 30,006 00 902 45 



Total, $71,600 00 $2,251 55 

Risks terminated during 1893, .... 24,174 00 787 52 



In force at end of year, $47,426 00 $1,464 03 



8 



ATLAS MUTUAL FIRE INSURANCE CO 



ATLAS MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated February, 1892. Commenced business June 15, 1892.] 
JOHN A. PRAY, President. ARTHUR F. JONE8, Secretary. 

Office, 2 Mason Building. 
Summary of Assets Dec. 31, 1893. 



Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, . . . . 

Liabilities. 
Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, .... 

Balance against the company, . 

Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 

Expenditures 
Paid for losses during the year, 
Deduct re-insurance, .... 

Net paid for losses, 

Paid for brokerage and commissions, 
Paid for State and local taxes, . 



§106,037 94 
95,060 65 



1201,098 59 



$51,583 33 

166,861 67 

22,979 38 



Gross cash expenditures, . 



Miscellaneous 

Amount. 



241,424 38 
$40,325 79 



$331,923 51 
34,407 83 



$297,515 68 
823 83 



$298,339 51 



$186,284 55 
328 79 



$185,955 76 

44,501 96 

2,391 28 

$232,849 00 



Cash Prem's. Conting't Prem's. 



Risks outstanding Dec. 31,1892, $10,729,754 00 $119,662 64 $358,987 92 



Risks written during 1893, 

Total, .... 
Risks terminated during 1893, 

In force at end of year, . 
Deduct amount re-insured, 



32,067,242 00 426,984 16 1,280,952 48 



§42,796,996 00 $546,646 80 $1,639,940 40 
15,390,057 00 212,773 26- 638,319 78 



§27,406,939 00 $333,873 54 $1,001,620 62 
11,000 00 150 19 450 57 



Net amount in force, . . $27,395,939 00 $333,723 35 $1,001,170 05 
Losses incurred during the year, $289,267 88 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 



[Incorporated Feb. 24, 1844. Commenced business July 1, 1845.] 
JOSEPH W. CAPRON, President. ELIJAH R. READ, Secretary. 

Amount of permanent fund, . . . 

Summary of Assets Dec. 31, 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Attleborough Fire District notes, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



• • • 1 


$16,550 59 


0. 31, 1893. 




$2,000 00 




12,692 00 




9,000 00 




24 99 




3,173 00 




72 35 




377 98 






$27,340 32 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 



$1,840 00 
5,434 65 



7,274 65 



Net cash assets, $20,065 67 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

from policy fees, .... 



$2,331 07 


74 


38 


$2,256 69 


1,216 


24 


225 


00 


60 


00 


100 


00 



Gross cash income, 



1,857 93 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for rents, 

for incidental expenses, 

Gross cash expenditures, 



$4,956 65 


100 


00 


421 


00 


38 


04 


87 


74 



$5,603 43 



10 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $1,886,661 00 
Risks written during 1893, . 452,235 00 



Total, $2,338,896 00 

Risks terminated during 1893, . 349,665 00 



In force at end of year, . . $1,989,231 00 
Losses incurred during the year, 



Cash Prem's. 

$10,446 00 
2,317 37 

$12,763 37 
1,894 07 

$10,869 30 



Conting't Prem's. 

$20,892 00 
4,634 74 

$25,526 74 
3,788 14 

$21,738 60 
$6,796 65 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTHPORT. 

[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.] 
SIMEON ATWOOD, President. FRANK THACHER, Secretary. 

Amount of permanent fund, $57,365 80 



Detailed Statement of Stocks, 

13 shares Winthrop National Bank, Boston, 

20 " State National Bank, Boston, . 

25 " Tremont National Bank, Boston, 

10 " Massachusetts Nat'l Bank, Boston, 

8 " Shawmut National Bank, Boston, 

5 " Nat'l Bank of the Republic, Boston 

15 " Nat'l Bank of Redemption, Boston, 

30 " First National Bank, Yarmouth, 

30 " First National Bank, Hyannis, . 

10 " Falmouth National Bank, 

50 " Massachusetts Real Estate Co., 

30 " Northern Investment Co., 

63 " Old Colony Railroad, 

49 " Union Pacific Railroad, 
8 " Central Pacific Railroad, 

50 " Atchison, Topeka & Santa Fe R.R., 
National Tube Works Co. stock, 
Fall River city bonds, 
Union Pacific Railroad bonds, . 
Old Colony Railroad bonds, 
Boston & Maine Railroad bonds, 
Fitchburg Railroad bonds, 
Iowa Falls & Sioux City Railroad bonds, 
Chicago & E. Illinois Railroad bonds, 
Oregon Short Line R.R. stock and bonds, 
Illinois Steel Company bonds, . 
Western farm mortgage bonds, 



Bonds, etc. 

Par Value. 

$1,300 00 
2,000 00 
2,500 00 
1,000 00 
800 00 
500 00 
1,500 00 
3,000 00 
3,000 00 
1,000 00 
5,000 00 
3,000 00 
6,300 00 
4,900 00 
800 00 
5,000 00 
10,000 00 
1,000 00 
9,000 00 
5,000 00 
3,000 00 
1,000 00 
2,000 00 
2,500 00 
2,000 00 
1,000 00 
1,200 00 



Market Value. 

$1,508 00 

2,135 00 

2,200 00 

950 00 

896 00 

736 25 

1,882 50 

4,200 00 

3,600 00 

1,000 00 

5,000 00 

3,000 00 

10,962 00 

968 75 

190 00 

1,110 00 

5,837 50 

1,175 00 

9,550 00 

5,325 00 

3,000 00 

1,027 50 

2,720 00 

2,885 00 

1,290 00 

750 00 

1,200 00 



$79,300 00 $75,098 50 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



11 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $2,000 00 

Loans on mortgage of real estate (first liens), 700 00 

Stocks, bonds, etc., as per schedule, . . 75,098 50 

Loans on personal security, .... 1,888 00 

Cash in the office of the company, . . . 1,203 99 

Cash deposited in bank, 5,387 34 

Interest due and accrued, 1,727 00 

Gross assets, 



$88,004 83 



Liabilities. 

Unearned premiums on outstanding risks, 
Taxes due or accrued, .... 
Gross liabilities, .... 



$59,213 96 
54 58 



59,268 54 



Net cash assets, 



$28,736 29 



Income. 

Cash premiums received during the year, 
Received for interest on mortgages, 
Received for interest from all other sources, . 

Gross cash income, 



$31,053 02 

21 00 

3,602 55 

$34,676 57 



Expenditures. 
Paid for losses during the vear, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$7,312 10 

5,541 65 

292 90 

21,292 16 

449 13 

$34,887 94 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $6,890,020 00 $114,600 41 $343,801 23 

Risks written during 1893, . 1,747,760 00 30,435 53 91,306 59 



Total, $8,637,780 00 $145,035 94 $435,107 82 

Risks terminated during 1893, . 1,586,897 00 26,608 02 79,824 06 



In force at end of year, . . $7,050,883 00 $118,427 92 $355,283 76 

Losses incurred during the year, $6,812 10 

Percentage of profits or surplus returned during 1893, 80 per cent. 
Average rate to date, 80 per cent. 



12 



BAY STATE MUTUAL FIRE INSURANCE CO. 



BAY STATE MUTUAL FIRE INSURANCE COMPANY, GARDNER. 

[Incorporated May 15, 1893. Commenced business Sept. 1, 1893.] 
LOUIS A. GREENWOOD, President. RALPH W. BLACK, Secretary. 



Amount of permanent fund, 



$121 78 



Summary of Assets Dec. 31, 1893. 
Cash deposited in bank, $513 71 



Premiums in eourse of collection (gross), 
Gross assets, 



5,265 09 



$5,778 80 



Liabilities. 

Losses claimed and reported, .... $200 00 

Unearned premiums on outstanding risks, . 4,024 15 

Commissions and brokerage, .... 945 72 

Gross liabilities, 



Net cash assets, 



5,169 87 



$608 93 



Income. 

Cash premiums received during the year, 
Deduct return premiums, . 

Net cash premiums received, . 

Gross cash income, .... 



$10,240 65 
2,103 12 

|8,137 53 



$8,137 53 



Expenditures. 

Paid for losses during the year, .... 

Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 
for State and local taxes, .... 
for incidental expenses, 

Gross cash expenditures, 



$1,281 


95 


1,518 


06 


108 


00 


38 


86 


357 


58 



§3,304 45 



Miscellaneous. 



Risks written during 1893, 
Risks terminated during 1893, . 

In force at end of year, . 
Losses incurred during the year, 



Amount. 

£746,568 00 
194,854 00 



Cash Prem*s. Conting't Prem's. 

$10,240 65 $10,240 65 
2,192 35 2,192 35 



$551,714 00 $8,048 30 



$8,048 30 
$1,481 95 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



13 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1835. Commenced business August, 1835.] 
JABEZ L. PECK, President. JOHN M. STEVEN80N, Secretary. 

Amount of permanent fund, $57,271 91 



Detailed Statement of Stocks, 



Western Union Telegraph Co. bonds, 
Chicago & Western Indiana Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
St. Paul & Sioux City Railroad bonds, 
100 shares Boston & Albany Railroad, 
154 ' 

50 ■ 

19 ' 
100 

87 ' 

10 

12 

15 

16 

10 



N. Y. Cent. & Hudson River R.R., 
Chicago, Burlington & Quincy R.R., 
New Hampshire Trust Co., . 
Adams Express Co., 
Pittsfield National Bank, Pittsfield, 
Agricultural Nat'l Bank, Pittsfield, 
Third National Bank, Pittsfield, . 
First National Bank, Adams, . 
Adams Nat'l Bank, North Adams, . 
Lenox National Bank, Lenox, 



Bonds, etc. 

Par Value. 

$5,000 00 
5,000 00 
2,000 00 
1,000 00 

10,000 00 

15,400 00 
5,000 00 
1,900 00 

10,000 00 
8,700 00 
1,000 00 
1,200 00 
1,500 00 
1,600 00 
1,000 00 



Summary of Assets Dec. 31, 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross). 
Interest accrued, .... 
Gross assets, .... 



Market Value. 

$5,520 00 

5,800 00 

2,240 00 

1,240 00 

20,000 00 

15,400 00 

3,800 00 

950 00 

15,000 00 

12,180 00 

2,500 00 

2,400 00 

2,025 00 

2,160 00 

1,300 00 



$70,300 00 $92,515 00 

1893. 

$8,500 00 

400 00 

92,515 00 

4,860 00 

947 66 

2,031, 20 

2,363 46 

165 02 

$111,782 34 



Liabilities. 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Taxes accrued, 

Gross liabilities, 



$56,493 10 

60 04 

1,404 35 

282 78 

45 56 



58,285 83 



Net cash assets, 



$53,496 51 



14 BOSTON MANUFACTURERS* MUTUAL FIRE INSURANCE CO. 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



$28,353 39 
817 22 



Net cash premiums received, $27,536 17 

Received for interest from all sources, 4,536 90 

Received for rents, 804 90 



Gross cash income, $32,877 97 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 



$6,705 11 

3,117 83 

3,020 33 

364 20 

300 00 

12,855 11 

1,049 37 

$27,411 95 



Miscellaneous. 



Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $7,608,382 00 $105,200 03 $105,200 03 
Risks written during 1893, . 2,083,314 00 27,991 15 27,991 15 



Total, .... $9,691,696 00 $133,191 18 $133,191 18 

Risks terminated during 1893, . 1,491,919 00 20,204 98 20,204 98 



In force at end of year, 



1,199,777 00 $112,986 20 $112,986 20 



Losses incurred during the year, $6,705 11 

Percentage of profits or surplus returned during 1893, 40, 50 and 70 percent. 
Average rate to date, 55 per cent. 



BOSTON MANUFACTURERS 1 MUTUAL FIRE INSURANCE 
COMPANY, BOSTON. 

[Incorporated March 15, 1850. Commenced business Oct. 15, 1850.] 
EDWARD ATKINSON, President. WILLIAM B. WHITING, Secretary. 

Office, 31 Milk Street 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Phila.,Wil.& Baltimore Railroad bonds, . . $40,000 00 $40,800 00 
Chicago, Burl. & Quincy Railroad bonds, . 100,000 00 97,000 00 
Old Colony Railroad bonds, .... 120,000 00 120,600 00 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE CO. 15 



Burl. & Missouri River Railroad bonds, . 

Pennsylvania Company bonds, 

Michigan Central Railroad bonds, . 

West Shore Railroad bonds, 

Boston & Lowell Railroad bonds, . 

New Jersey Central Railroad bonds, 

Rome, Watertown & Ogdensburg R.R. bonds 

Lehigh Valley Railroad bonds, 

Eastern Railroad bonds, .... 

Town of Brookline bonds, 

American Dock & Improvement Co., 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, 
Rents due and accrued, 

Gross assets, .... 



Par Value. 

|30,000 00 
30,000 00 
30,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
25,000 00 

104,000 00 
25,000 00 



Market Value. 

$33,900 00 
33,000 00 
33,750 00 
50,500 00 
49,500 00 
56,500 00 
56,750 00 
26,250 00 
29,625 00 

104,000 00 
27,750 00 



$729,000 00 $759,925 00 

31, 1893. 

$759,925 00 

3,914 78 

9,326 43 
11,734 17 
$784,900 38 



Liabilities. 
Unearned premiums on outstanding risks, 
Taxes accrued, ...... 

Gross liabilities, .... 

Xet cash assets, ..... 



$425,143 05 
1,503 10 



426,646 15 



$358,254 23 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 



$873,589 56 
24,798 59 



$848,790 97 
32,540 94 



$881,331 91 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 



$199,543 38 

33,141 35 

8,373 10 

2,067 25 

623,378 17 

15,311 28 

9,558 57 



Gross cash expenditures, . 



$891,373 10 



16 BRISTOL COUNTY MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Amount. Cash Prom's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $98,148,909 00 $802,037 88 $4,010,189 40 

Risks written during 1893, . 108,205,817 00 873,589 56 4,367,947 80 



Total, .... $206,354,726 00 $1,675,627 44 $8,378,137 20 

Risks terminated during 1893, 101,270,164 00 825,341 35 4,126,706 75 



In force at end of year, . . $105,084,562 00 §850,286 09 $4,251,430 45 

Losses incurred during the year, $196,020 77 

Percentage of profits or surplus returned during 1893, 77 T ° S 5 5 per cent. 
Average rate to date, 71 T ^ per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY. 

NEW BEDFORD. 

[Incorporated Feb. 29, 1829. Commenced business July 4, 1829.] 
JAMES TAYLOR, President. GEO. N. ALDEN, Secretary. 

[Note. — Policies are all issued for five years, ten per cent, of the premium note being 
received in cash at the time of issuing the policy. The notes are assessed as necessity requires. 
No cash funds are accumulated.] 



Summary of Assets Dec 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1893. 



$6 51 
572 83 
383 96 



?963 30 



Liabilities. 

Commissions and brokerage, .... $42 93 

Taxes accrued, 5 45 

Gross liabilities, 48 38 

Net cash assets, $914 92 

Income. 

Cash premiums received during the year, .... $2,656 97 
Deduct return premiums, 209 87 



Net cash premiums received, $2,447 10 

Received from assessm'ts on dep. notes or contingent prem's, 9,783 87 

Received from all other sources, 12 75 



Gross cash income, $12,243 72 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



17 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for borrowed money, 

for State and local taxes, 

for incidental expenses, 

Gross cash expenditures, 



$7,327 


12 


164 04 


1,625 


00 


2,444 


49 


122 


56 


217 


96 


$11,901 


17 



Miscellaneous. 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 

Total, 

Risks terminated during 1893, . 

In force at end of year, . 



Amount. Conting't Prem's. 

. $3,317,896 00 $349,664 00 
362,650 00 23,930 00 



. $3,680,546 00 $373,594 00 
601,050 00 72,331 00 



. $3,079,496 00 $301,263 00 



Losses incurred during the year, $2,327 12 

Assessments laid on deposit notes or contingent premiums, . 10,801 05 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 1834.] 
DANA W. HYDE, President. ALFRED L. BARBOUR, Secretary. 

Amount of permanent fund, $135,469 78 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

1 share Framingham National Bank, . . $100 00 $150 00 

15 shares National City Bank, Cambridge, . 1,500 00 2,250 00 

30 shares West End Street Railway, . . 1,500 00 2,250 00 

Eastern Railroad bonds, .... 1,500 00 1,740 00 

Highland Street Railway bonds, . . . 4,000 00 4,400 00 

Cambridge city bonds, 2,000 00 2,400 00 

Portland city bonds . 10,000 00 12,200 00 

Belfast city bonds, 2,000 00 2,100 00 

Boston city bonds, 5,000 00 5,000 00 

Boston & Lowell Railroad bonds, . . . 5,000 00 5,000 00 

Fitchburg Railroad bonds, .... 1,000 00 1,000 00 



$33,600 00 $38,490 00 



18 



CAMBRIDGE MUTUAL FIRE INSURANCE CO 



Summary of Assets Dec 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Office furniture, .... $25 00 
Gross assets, 



31, 1893. 

$59,750 78 
115,383 00 
38,490 00 
3,300 00 
1,825 45 
1,554 04 
6,074 00 
3,573 95 
1,175 01 



$231,126 23 



Liabilities. 



Losses adjusted, unpaid, . 
Losses claimed and reported, 



Total amount of losses, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Salaries, 

Gross liabilities, 

Net cash assets, 



$7,467 76 
1,736 61 



$9,204 37 

111,010 71 

634 18 

374 86 

1,060 00 



122,284 12 
$108,842 11 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 

Gross cash income, .... 



$70,105 90 
2,830 17 

$67,275 73 
3,851 22 
2,017 62 
6,491 71 



?79,636 28 



Expenditures. 
Paid for losses during the \ear. 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, . 
for repairs on real estate, 

Gross cash expenditures, 



$24,317 18 
9,317 83 
7,190 00 
29 00 
2,420 96 
1,000 00 
29,020 13 
3,478 57 
2,820 54 

$79,594 21 



citizens' mutual FIRE INSURANCE CO. 



19 



Miscellaneous. 

Amount. Cash Prcm's. Conting't Prem's. 

Risks outstanding Dec. 31,1892, $13,148,866 00 $201,227 89 $201,227 89 

Risks written during 1893, . 4,542,272 00 69,557 53 69,557 53 



Total $17,691,138 00 $270,785 42 $270,785 42 

Risks terminated during 1893, . 3,297,824 00 48,764 00 48,764 00 



In force at end of year, . . $14,393,314 00 $222,021 42 $222,021 42 

Losses incurred during the year, $33,521 55 

Percentage of profits or surplus returned during 1893, 40, 50, 70 per cent. 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April, 1846. Commenced business October, 1846.] 
HENRY C BIGELOW, President. T. WALLACE TRAVIS, Secretary. 

Office, No. S Exchange Place. 



Amount of permanent fund, . 



. $174,441 91 



Detailed Statement of Stocks, Bonds, etc 



30 shares Hide and Leather Nat'l Bank, . 
15 " Natick National Bank, 
10 " Farraington National Bank (N. H.), 
Butchers" S. and M. Association bonds, . 
Denver Land and Security Co. bonds, 



Securities held as collateral for cash loans 

Real estate mortgage assigned, 

8 shares Edwards Manufacturing Co., . 
2 

10 

50 

50 

50 

40 
100 
200 
Wisco 



Newton and Watertown Gas Co., 
Natick National Bank, . 
American Sugar Refinery, 
Oregon Short Line Railroad, . 
Butte & Boston Mining Co., . 
Tamarack, Jr., Mining Co., . 
Boston Water Power Co., 
Peoria, Decatur & Evansville R.R., 
isin Central Railroad bonds, . 



Par Value. 

$3,000 00 
1,500 00 
1,000 00 
4,000 00 
1,800 00 



Market Value. 

$3,300 00 

2,025 00 

1,000 00 

4,000 00 

1,800 CO 



$11,300 00 $12,125 00 



Market Value. Loaned Thereon. 

$5,300 00 $3,600 00 



996 00 
345 00 
1,350 00 
4,000 00^ 
300 00 
500 00 
800 00 \ 
200 00 
1,000 00 
600 00 J 



1,000 00 
1,250 00 

5,000 00 



$15,391 00 $10,850 00 



20 



CITIZENS MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



Net cash assets, 



$15,000 00 

284,830 00 

12,125 00 

10,850 00 

4,044 79 

861 83 

12,495 62 

3,171 94 

4,612 51 



$172,666 57 

1,494 38 

447 00 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 

Received lor interest on mortgages, 

for interest from all other sources, 
for rents, 

Gross cash income, .... 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 



Risks outstanding Dec. 31, 1892 
Risks written during 1893, 



Miscellaneous. 

Amount. Cash Preoi's. 

§24,372,732 00 $332,532 82 

7,091,230 00 95,709 86 



Total, .... 
Risks terminated during 1893, 

In force at end of year, . 
Losses incurred during the year, 



$31,463,962 00 §428,242 68 
6,226 513 00 82,909 54 



§25,237,449 00 $345,333 14 



$347,991 69 



174,607 95 
$173,383 74 



$96,675 64 
3,704 75 



§92,970 89 

14,188 02 

1,464 25 

411 98 



$109,035 14 



$18,917 25 
14,025 83 
7,762 60 
1,494 44 
1,800 00 
53,989 49 
2,790 46 



§100,780 07 



Conting't Prem's. 

§332,532 82 
95,709 86 



28,242 68 
82,909 54 



§345,333 14 
$18,917 25 



COHASSET MUTUAL FIRE INSURANCE CO. 



21 



COHASSET MUTUAL FIRE INSURANCE COMPANY, COHASSET. 

[Incorporated March, 1845. Commenced business March, 1846.] 
LOUIS N. LINCOLN, President. J. Q. A. LOTHROP, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

9 shares City National Bank, Boston, . . $900 00 $900 00 

3 shares Merchants' National Bank, Boston, . 300 00 450 00 



.,200 00 $1,350 00 



Summary of Assets Dec. 31, 1893 



Stocks, bonds, etc , as per schedule, . 
Cash in the office of the company, . 
Cash deposited in savings bank, 
Premiums in course of collection (gross), 
Interest due, ...... 

Office furniture and safe, . . . $75 00 
Gross assets, 



$1,350 00 

27 29 

953 88 

59 17 

18 78 



!,409 12 



Liabilities. 

Unearned premiums on outstanding risks, 
Gross liabilities, .... 

Balance against the company, . 



$2,680 63 



2,680 63 



$271 51 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, 
Received from all other sources, 



Gross cash income, 



$1,133 23 

38 16 

$1,095 07 

89 53 

66 28 

$1,250 88 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for state and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$176 


62 


70 39 


322 


00 


11 


31 


469 


02 


22 


13 



$1,071 47 



22 



COMMONWEALTH MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 

Total, 

Risks terminated during 1893, . 

In force at end of year, . 

Losses incurred during the year, 



Amount. 

$372,881 00 
72,900 00 



$445,781 00 
68,117 00 



Cash Prem'8. Conting't Prem'i. 

$5,407 88 $16,223 68 



1,102 18 

$6,510 06 
1,148 79 



3,306 54 



$19,530 22 
3,446 37 



$377,664 00 $5,361 27 $16,083 85 
$176 62 



Percentage of profits or surplus returned during 1893, 50, 30, 15 per cent. 
Average rate to date, 50 per cent. 



COMMONWEALTH MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Nov. 21, 1893. Commenced business Dec. 14, 1893.] 
J. ALLSTON NEWHALL, President. WALTER H. SWEET, Secretary. 

Office, 19 Central Street. 



Summary of Assets Dec 

Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, » .... 



31, 1893. 



Net cash assets, 



$2,107 05 
19,987 62 
40,292 17 



$5,000 00 
35,614 82 
11,080 34 



Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, 

Gross cash income, 

Expenditures. 

Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 
for incidental expenses, 

Gross cash expenditures, 



$62,386 84 



51,695 


16 


$10,691 


68 




81 


4.845 


33 


$30,937 48 


830,937 


48 


$8,507 81 


150 00 




00 



$8,8.- 



COTTON AND WOOLEN MANUFACTURERS' INSURANCE CO. 23 



Miscellaneous. 

Amount. 

Risks written during 1893, . $ 5,253,805 00 



Total, $5,253,805 00 

Risks terminated during 1893, . 308,660 00 

In force at end of year, . . $4,945,145 00 
Losses incurred during the year, 



Cash Prem's. Contingent Prem's. 

$76,074 98 $228,224 94 



,074 98 $228,224 94 
4,845 33 14,535 99 



$71,229 65 $213,688 95 
$5,000 00 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL INSURANCE 

COMPANY, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 
H. N. DAGGETT, President. B. F. TAFT, Secretary. 

Office, 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Fitchburg Railroad bonds, .... $16,000 00 $16,640 00 

Chicago, Burl. & Quincy Railroad bonds, . 10,000 00 9,800 00 

Boston city bonds, 2,000 00 2,025 00 

Metropolitan Railroad bonds 15,000 00 20,550 00 

Maine Central Railroad bonds, . . . 21,000 00 15,400 00 

Cheshire Railroad bonds, 27,000 00 10,670 00 

Portland & Ogdensburg Railroad bonds, . 10,000 00 28,080 00 

New York & New England Railroad bonds, . 17,000 00 18,700 00 

Lynn & Boston Railroad bonds, . . . 12,000 00 10,700 00 

Middlesex Railroad bonds, .... 1,000 00 1,000 00 

Highland Street Railroad bonds, . . . 1,000 00 1,000 00 

South Boston Railroad bonds, . . . . 5,000 00 5,000 00 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Due for borrowed money, 

Taxes accrued, 

Gross liabilities, .... 

Balance against the company, . 



$137,000 00 $139,565 00 

31, 1893. 

$139,565 00 

6,673 53 
15,980 16 

9,730 83 

2,442 48 
$174,392 00 



$24,707 19 

133,032 72 

25,000 00 

505 00 



183,244 91 
$8,852 91 



24 



DEDHAM MUTUAL FIRE INSURANCE CO. 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 

Received for interest from all sources, . 

for rents and joint office expenses, 
from inspections for other companies, 

Gross cash income, 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 
for inspections, ...... 

for incidental expenses, .... 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31,1892, $25,883,113 00 
Risks written during 1893, . 29,353,414 00 



$278,073 87 
12,495 18 

1265,578 69 

8,0 r 

.774 63 
2,514 16 



$281,915 31 



$137,966 74 

8,4:;. M 

3,180 22 

855 54 

136,481 14 

8,757 94 

14.080 81 

1,761 24 



(ash Prera's. Conting't Prem'8. 

$254,980 74 $1,274,903 70 
290,726 45 1,453,632 



Total $55,236,527 00 

Risks terminated during 1893, . 26,945,345 00 



$545,707 19 $2,728,535 95 
279,641 75 1,398,208 75 



In force at end of year, . . 828,291,182 00 $266,065 44 £1,330,327 20 



Losses incurred during the year, 

Percentage of profits or surplus returned during 

Average rate to date, 58 T f -$ per cent. 



. $162,673 93 
1893, 54 T Vo per cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY. 

DEDHAM. 

[Incorporated Feb. 22, 1837. Commenced business July 1, 1S37.] 
GEO. B. FAUNCE, President. ELIJAH HOWE, Jr., Secretary. 

Amount of permanent fund, $89,76.:> 77 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Philadelphia & Reading Railroad bonds, . $5,000 00 fo,750 00 

Cincinnati city bonds/ 6,000 00 7.320 00 

Old Colony Railroad bonds, .... 2,000 00 2,000 00 



DEDHAM MUTUAL FIRE INSURANCE CO. 



25 



Union Pacific Railroad bonds, . 

Kansas City & Council Bluffs Railroad bonds, 

Lombard Investment Company bonds, . 

Western Security Company bonds, . 

N. H. Trust Company bonds, . 

New England Mortgage Security Co. bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Washington County (111.) bonds, 

Salem city bonds, .... 

Boston city bonds, .... 

Boston & Lowell Railroad bonds, . 

12 shares Dedham National Bank, . 

20 " Dedham Water Co., . 

50 " Atch., Topeka & Santa Fe R.R 



Par Value. 

$16,000 00 
2,000 00 
5,000 00 
6,000 00 
5,000 00 
8,000 00 

17,500 00 
5,000 00 
3,000 00 
2,000 00 

10,000 00 
1,200 00 
2,000 00 
5,000 00 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens) , $32,700 00 

Stocks, bonds, etc., as per schedule, . . . 84,422 10 

Cash deposited in bank, 3,065 95 

Premiums in course of collection (gross), . 1,856 36 

Interest clue and accrued, 2,347 77 

Gross assets, 



Market Value. 

$13,300 00 
2,300 00 
3,750 00 
4,500 00 
3,750 00 
7,600 00 
9,845 00 
5,000 00 
3,242 10 
2,040 00 
10,225 00 
1,200 00 
2,000 00 
600 00 



$100,700 00 $84,422 10 



$124,392 18 



Liabilities. 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



$31,639 27 

52 89 

1,365 38 

278 45 



33,335 99 



Net cash assets, $91,056 19 



Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, 
Received for interest from all other sources, . 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 



$23,637 72 
429 30 

$23,208 42 
1,147 54 
5,042 09 



$29,398 05 



*8,357 88 
3,484 98 
3,170 65 



26 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



Paid for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, 



$227 07 


110 00 


8,509 62 


IS 85 


$24,639 05 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $3,678,229 00 
Risks written during 1893, . 1,554,983 00 



Cash Prem's. Conting't Prera*». 

$56,146 13 $55,988 12 
24,055 55 23,803 



Total $5,233,212 00 

Risks terminated during 1893, . 1,132,733 00 



$80,201 68 
16,923 14 



roi 37 

19 61 



In force at end of year, . . $4,100,479 00 $63,278 54 $63,07176 



Losses incurred during the year, 

Percentage of profits or surplus returned during 



$8,302 11 
1893, 331, 50, 70 per cent. 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY. 

BOSTON. 

[Incorporated February, 1855. Commenced business July 2, 1855.] 
THOMAS F. TEMPLE, President. W. D. C. CURTIS, Secretary. 

Office, Neponset. 



Amount of permanent fund Dec. 31, 1892, 
Increase during the year, .... 



Permanent fund Dec. 31, 1893, 



Detailed Statement of Stocks, 



Fitchburg Railroad bonds, 

Boston & Lowell Railroad bonds, . 

Old Colony Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Detroit, Lansing & Northern R.R. bonds, 

South Boston Horse Railroad bonds, 

Metropolitan Horse Railroad bonds, 

Cambridge Horse Railroad bonds, . 

304 shares Boston & Albany Railroad, 

273 

56 

75 
100 
150 

50 



Old Colony Railroad, 
Boston & Lowell Railroad, 
Boston & Maine Railroad, 
Boston Lead M 1 f g Company, 
International Trust Company, 
Boston National Bank, . 



Bonds, etc. 

Par Value. 

$32,000 00 

5,000 00 

6,000 00 

10,000 00 

7,000 00 

5,000 00 

5,000 00 

6,000 00 

30,400 00 

27,300 00 

5,600 00 

7,500 00 

10,000 00 

15,000 00 

5,000 00 



1187,644: 45 
12,355 55 

1200,000 00 



Market Value. 

$32,930 00 

5,200 00 

6,360 00 

9,400 00 

6,300 00 

5,150 00 

50 00 

6,120 00 

61,408 00 

47,229 00 

10,304 00 

9,975 00 

15,000 00 

30,000 00 

50 00 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



27 



56 shares Blue Hill National Bank, 

20 " Howard National Bank, . 

20 " Continental National Bank, . 

12 " Hide and Leather National Bank, 

10 " New England National Bank, 

30 " Columbian National Bank, 

33 " State National Bank, 

5 " Granite National Bank, . 

10 " Alt. Wollaston National Bank, 

10 " Weymouth National Bank, 



Par Value. 

$5,600 00 
2,000 00 
2,000 00 
1,200 00 
1,000 00 
3,000 00 
3,300 00 
500 00 
1,000 00 
1,000 00 



Market Value. 

$5,880 00 
2,000 00 
2,300 00 
1,272 00 
1,600 00 
3,000 00 
3,531 00 
650 00 
1,400 00 
1,200 00 



$197,400 00 $278,109 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $22,000 00 

Loans on mortgage of real estate (first liens), 19,188 13 

Stock, bonds, etc., as per schedule, . . . 278,109 00 

Cash deposited in bank, 14,937 85 

Premiums in course of collection (gross), . 13,315 36 

Interest due and accrued, 1,686 66 

Gross assets, 

Liabilities. 

Loans adjusted, unpaid, $7,825 00 

Unearned premiums on outstanding risks, . 209,074 70 

Gross liabilities, 



$349,237 00 



216,899 70 



Net cash assets, $132,337 30 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

from all other sources, 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, . 

for incidental expenses, 

for repairs on real estate, .... 

Gross cash expenditures, 



$141,113 47 
3,201 96 



$137,911 51 

800 00 

14,324 30 

1,142 00 

699 48 



$154,877 29 



,584 51 

22,255 58 

6,973 01 

2,386 39 

500 00 

50,115 32 

5,152 97 

405 00 



$154,372 78 



28 



ESSEX MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Amount. Cash Prem's. Conting't I'rem's. 

Risks outstanding Dec. 31, 1892, $24,242,507 00 $374,404 83 $374,404 83 

Risks written during 1893, . 9,405,227 00 142,468 48 142,468 48 



Total, .... $33,647,734 00 $516,873 31 $516,873 31 

Risks terminated during 1893, . 6,470,854 00 98,723 92 98,723 92 



In force at end of year, 



. $27,176,880 00 $418,149 39 $418,149 39 



Losses incurred during the year, $74,409 51 

Percentage of profits or surplus returned during 1893, 25, 50, 75 per cent. 
Average rate to date, 50 per cent. 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 
DAVID MOORE, President. CHAS. H. ODELL, Secretary. 



Amount of permanent fund, 



Detailed Statement of Stocks, 



City of Concord bonds, .... 
Old Colony Railroad bonds, 

Hyde Park (111.) bonds 

City of Cleveland bonds, .... 

Boston & Albany Railroad bonds, . 

St. Louis County bonds, .... 

St. Louis cit}* bonds, .... 

American Investment Company bonds, . 

City of Cincinnati bonds, .... 

City of Brooklyn bonds, .... 

City of Springfield bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Eastern Railroad bonds, .... 

Northern Pacific Railroad bonds, 

Oregon Improvement bonds, . 

Cleveland & Canton Railroad bonds, 

City of Missoula (Mont.) bonds, 

Duluth Transfer Railroad Co. bonds, 

Boston & Maine Railroad bonds, 

30 shares Union Stock Yards Company bonds 

11 " Asiatic National Bank, 

14 " Salem National Bank, 

16 " Lynn Gas and Electric Company, 



Bonds, etc. 

Par Value. 

$1,000 00 

2,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 0(» 

1,500 00 

1,000 00 

1,000 00 

1,000 00 

2,000 00 

2,000 00 

1,000 00 

5,000 00 

5,000 00 

4,000 00 

3,000 00 

2,000 00 

3,000 00 

330 00 

1,400 00 
1,600 00 



$51,152 23 



Market Value. 

$1,000 00 
2,065 00 
1,025 00 
1,015 00 
1,030 00 
1,037 50 
1,065 00 
1,500 00 
1,250 00 
1,150 00 
1,230 00 
2,247 50 
2,350 00 
1,070 00 
4,625 00 
2,500 00 
4,000 00 
2,850 00 
2,000 00 
3,750 00 
330 00 
1,802 50 
2,602 00 



$42,830 00 843,494 50 



ESSEX MUTUAL FIRE INSURANCE CO. 



29 



Summary of Assets Dec. 


31, 1893. 




Loans on mortgage of real estate (first liens), 


$23,900 00 




Stocks, bonds, etc., as per schedule, 


43,494 50 




Cash in the office of the company, . 


696 49 




Cash deposited in bank, 


5,920 64 




Premiums in course of collection (gross), 


2,869 73 




Interest due and accrued, . . 


2,913 58 




Gross assets, 




$79,794 94 




Liabilities. 






Losses adjusted, unpaid, 


$6,606 10 




Losses claimed and reported, . 


500 00 




Total amount of losses, 


|7,106 10 




Unearned premiums on outstanding risks, 


22,777 15 




Surplus clue on terminated policies, 


658 21 




Commissions and brokerage, . 


473 44 




Taxes accrued, . .' 


52 27 




Gross liabilities, 




31,067 17 






$48,727 77 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 
Received for interest from all other sources, . 

Gross cash income, 



$24,072 61 
2,073 97 

$21,998 64 

338 75 

2,370 90 

$24,708 n 



Expenditures. 



Paid for losses during the year, 
Deduct re-insurance, . 



Net paid for losses, .... 

Paid for brokerage and commissions, 
for salaries and fees of officers and 
for State and local taxes, . 
for profits or surplus on terminated 
for incidental expenses, . 

Gross cash expenditures, . 



employees, 
policies, 



$10,151 


66 


104 70 


$10,046 96 


4,048 


94 


2,129 


99 


211 


05 


4,782 


37 


840 


00 


$22,059 


31 



30 FALL RIVER MANUFACTURERS* MUTUAL INSURANCE CO. 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31 , 1892, $2,051,233 00 



Risks written during 1893, 

Total, .... 
Risks terminated during 1893, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$3,591,430 00 
995,674 00 



82,595,756 00 
14,883 00 



Cash Prem's. Conting't Prem'8. 

835,756 06 835,756 06 



1,540,197 00 24,072 00 



859,828 06 

14,120 51 

845,707 55 

153 24 



Losses incurred during the year, 

Percentage of profits or surplus returned during 



24,072 00 

$59,828 06 

14,120 51 

$45,707 55 

153 24 



$2,580,873 00 $45,554 31 $45,554 31 



$17,153 06 
1893, 25, 50, 70 per cent. 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, FALL RIVER. 

[Incorporated Feb. 11, 1870. Commenced business May 1, 1870.] 
THOMAS J. BORDER, President. CHARLES S. WARING, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

l'ar Value. Market Value. 

Taunton city bonds, 810,000 00 $10,150 00 

Fall River city bonds, 21,000 00 25,075 00 

Boston city bonds, 20,000 00 21,200 00 

Newport (R. I.) city bonds, .... 20,000 00 20,600 00 

Chicago, Burl. & Quincy Railroad bonds, . 17,000 00 17,850 00 

West End Street Railway bonds, . . . 15,000 00 15,075 00 

Fitchburg Railroad bonds, .... 10,000 00 9,600 00 

Boston & Lowell Railroad bonds, . . . 30,000 00 29,250 00 

Boston & Providence Railroad bonds, . . 20,000 00 20,200 00 

Concord & Montreal Railroad bonds, . . 15,000 00 14,550 00 

Chicago, Burl. & Quincy R.R. bonds, . . 15,000 00 12,825 00 

Phila., Wilmington & Baltimore R.R. bonds, . 20,000 00 20,000 00 

Old Colony Railroad bonds, .... 30,000 00 30,300 00 

Boston & Maine Railroad bonds, . . . 10,000 00 9,750 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 5,500 00 3,575 00 



$258,500 00 $260,000 00 



Summary of Assets Dec. 31, 1893. 

Stocks, bonds, etc., as per schedule, . . . $260,000 00 

Cash in the office of the company, . . . 117 39 

Cash deposited in bank, . . . • 19,900 53 

Premiums in course of collection (gross), . 2,801 17 

Interest accrued, 3,785 43 

Gross assets, • 



$286,604 52 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE CO. 31 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, 

Net cash assets, 



$11,900 00 

154,377 07 

543 13 



$166,820 20 



$119,784 32 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 



$320,537 62 

11,105 58 

$309,432 04 

12,639 41 

$322,071 45 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for inspections, ...... 

for incidental expenses, .... 

Gross cash expenditures, .... 



$74,599 00 

11,177 26 

3,108 19 

488 44 

226,531 46 

4,885 32 

1,957 21 

$322,746 88 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $31,315,886 00 $288,834 97 $1,444,174 85 

Risks written during 1893, . 35,682,757 00 321,293 64 1,606,468 20 



Total, $66,998,643 00 $610,128 61 $3,050,643 05 

Risks terminated during 1893, . 32,613,194 00 301,374 48 1,506,872 40 



In force at end of year, . . $34,385,449 00 $308,754 13 $1,543,770 65 

Losses incurred during the year, $84,152 88 

Percentage of profits or surplus returned during 1893, 78 T 1 3 I) per cent. 
Average rate to date, 69 T 5 1 per cent. 



32 



FITCHBURG MUTUAL FIRE INSURANCE CO. 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

[Incorporated March 23, 1847. Commenced business Sept. 1, 1847.] 
AMASA NORCROSS, President. EDWARD P. DOWNE, Secretary. 

Amount of permanent fund, $108,228 56 



Detailed Statement of Stocks, 



Cheshire Railroad bonds, . 
Fitchburg Railroad bonds, 
Maine Central Railroad bonds, 
C. N. Nelson Lumber Co. bonds, 
Investment Trust Co. of America, . 
Minnesota Thresher Manufacturing Co., 
City of Fitchburg bonds, . 

10 shares Fitchburg National Bank, 

20 ' 

10 ■ 

15 
227 

25 



Rollston National Bank, . 
Fitchburg Railroad, 
Springfield Safe Deposit Co., 
Minnesota Thresher Manuf. Co., 
Investment Trust Co. of America. 



Bonds, etc. 

Par Value. 

$9,000 00 

5,000 00 

5,000 00 

3,000 00 

7,500 00 

24,000 0') 

5,000 00 

1,000 00 

2,000 00 

1,000 00 

1,500 00 

11,350 00 

2,500 00 



Market Value. 

50 00 

5,0' 

5,000 00 

3,000 00 

00 

24,000 00 
5,000 00 
1,500 00 
3,000 00 
730 00 
1,500 00 

11,350 00 
2,500 00 



.77,850 00 $79,430 00 



Securities held as collateral for cash loans : — 

50 shares Garfield & Proctor Coal Company, . 
40 " Simonds Manufacturing Company, . 
40 " Simonds Manufacturing Company, . 
20 " Fitchburg & Leominster St. R'y Co., 



Market Value. 

$5,000 00 
4,000 00 
4,000 00 
2,500 00 



Loaned Thereon. 

64,500 00 

3,000 00 

3,200 00 

500 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



$15,500 00 $11,200 00 

31, 1893. 

$51,561 19 
82,453 00 
79,430 00 
11,200 00 

6,328 57 

2,050 25 
15,300 07 
15,550 00 

2,155 42 
$266,028 50 



$9,556 90 

9,780 98 

850 00 



FRANKLIN MUTUAL FIRE INSURANCE CO. 



33 



Due for borrowed money, .... $10,000 00 

Unearned premiums on outstanding risks, . 196,045 24 

Surplus due on terminated policies, . . . 2,739 00 

Rents, salaries and incidental expenses, . . 1,445 17 

Gross liabilities, 

Net cash assets, 

Income. 

Cash premiums received during the year, 
Received for interest on mortgages, 

Gross cash income, 

Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for interest on borrowed money, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$230,417 29 
$35,611 21 



L76,325 12 
10,538 92 



$186,864 04 



$112,643 39 

27,180 35 

8,071 33 

205 00 

1,497 02 

700 00 

54,289 98 

5,352 25 



$209,939 32. 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $23,816,822 00 $368,326 12 $368,326 12 

Risks written during 1893, . 11,385,314 00 174,826 04 174,826 04 



Total, $35,202,136 00 $543,152 16 $543,152 16 

Risks terminated during 1893, . 10,033,585 00 151,061 69 151,061 69 



In force at end of year, . . $25,168,551 00 $392,090 47 $392,090 47 

Losses incurred during the year, $114,822 14 

Percentage of profits or surplus returned during 1893, 20,40, 60 per cent. 






FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 

GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.] 
NELSON BURROWS, President. JOHN D. BOWKER, Secretary. 

Amount of permanent fund, $4,524 52 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Vermont & Massachusetts Railroad bonds, . f 11,000 00 $12,100 00 
50 shares Greenfield Gas Light Co., . . 2,500 00 2,500 00 



34 



FRANKLIN MUTUAL FIRE INSURANCE CO. 



9 shares Shelburne Falls National Bank, 
6 shares Franklin County National Bank, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 

Rents accrued, 

Office furniture, .... $500 00 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Due for borrowed money, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, 

Balance against company, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for interest on borrowed money, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 



Par Value. 


Market \ 


$900 00 


$1,260 00 


600 00 


624 00 


$15,000 00 


$16,484 00 


). 31, 1893. 




$1,000 00 




600 00 




16,484 00 




270 31 




420 63 




970 07 




4,153 29 




182 88 




100 00 




j 


$24,181 18 




$3,361 98 




9,623 75 




17,500 90 




622 99 




456 80 







31,566 42 



$7,385 24 



Gross cash expenditures, . 



$16,240 53 


1,732 02 


§14,508 


51 


36 00 


766 


76 


$15,311 


27 


$11,647 


38 


2,435 


03 


1,758 00 


301 


90 


147 


20 


150 


00 


2,286 


57 


$18,726 


08 



GROVEL AND MUTUAL FIRE INSURANCE CO. 



35 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $2,704,567 00 
Risks written during 1893, . 1,094,851 00 



Total,. 
Risks terminated during 1893, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$3,799,418 00 
945,866 00 

$2,853,552 00 
2,400 00 



Cash Prem's. Conting't Prem's. 

$32,692 40 $32,768 59 
16,240 53 16,240 53 



$35,038 58 
36 77 



Losses incurred during the vear, 

Percentage of profits or surplus returned during 



$48,932 93 $49,009 12 
13,894 35 13,894 35 



$35,114 77 



$2,851,152 00 $35,001 81 $35,114 77 



$13,968 45 
1893, 20, 25 per cent. 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 



[Incorporated March 28, 1828. Commenced business March 28, 1828.] 

MOSES FOSTER, President. NATHANIEL H. GRIFFITH, Secretary. 

[Note. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1893. 

Cash in the office of the company, . . . $40 94 

Cash deposited in savings bank, . . . 1,261 59 

Gross assets, $1,302 53 



Income. 

Received from assessm'ts on dep. notes or contingent prem's, 
Received from all other sources, 

Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, . 

for rents, 

Borrowed money repaid, . 
Paid for incidental expenses, . 



$4,974 56 
177 45 

$5,152 01 



$71 


50 


767 52 


123 


30 


49 


15 


25 


00 


2,900 00 


3 


98 



Gross cash expenditures, 



3,940 45 



36 



HAMPSHIRE MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 

Total, 

Risks terminated during 1893, . 

In force at end of year, 



Amount. Conting t Prem's. 

$1,648,202 00 $117,603 86 
340,717 00 24,484 80 



11,988,919 00 $142,088 66 
354,315 00 25,557 83 



61,634,604 00 $116,530 83 



Losses incurred during the year, ...... $71 50 

Assessments laid on deposit notes or contingent premiums. . 4,404 42 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 
NORTHAMPTON. 

[Incorporated March 6, 1830. Commenced business July 1, 1832.] 
CHARLES N. CLARK, President. OLIVER WALKER, Secretary. 

Amount of permanent fund, $27,523 66 



Detailed Statement of Stocks, 

63 shares Conn. River Railroad, 

Conn. River Railroad scrip dividend, 

20 shares Northampton National Bank, . 

25 shares Chicago, Burlington & Quincy R.R., 

Chicago, Burlington & Quincy R.R. bonds, 

Kansas Pacific R.R. bonds, .... 



Boxds, ETC. 
Par Value. 

$6,300 00 

3,150 00 

2,000 00 

2,500 00 

400 00 

00 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens). f 19,900 00 

Stocks, bonds, etc., as per schedule, . . 26,743 00 

Cash in the office of the company, ... 16 97 

Cash deposited in bank 2.324 00 

Interest accrued, 902 06 

Office furniture, .... $400 00 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . f 30,177 33 

Surplus due on terminated policies, . . 161 62 

Taxes accrued, 24 06 

Gross liabilities, ..... 



Market Value. 

f 13,860 00 
3,150 00 
3,100 00 
1,875 00 
408 00 
4,350 00 



810,350 00 $26,743 00 



$49,886 03 



30,363 01 



Net cash assets, 



$19,523 02 



HINGHAM MUTUAL FIRE INSURANCE CO. 



37 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

from all other sources, 

Gross cash income, ..... 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, ..... 

for profits or surplus on terminated policies, 

for incidental expenses, 

Gross cash expenditures, . 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $4,054,209 00 
Risks written during 1893, . 950,291 00 

Total,. 
Risks terminated during 1893, 

In force at end of year, . 



$5,004,500 00 
974,077 00 



Cash Prem's. 

$60,062 43 
13,583 99 

$73,646 42 
13,291 76 



$13,583 99 
443 47 

$13,140 52 

1,029 05 

1,211 28 

9 35 

$15,390 20 



$6,398 63 

1,327 97 

1,459 00 

129 09 

150 00 

6,176 20 

162 56 

$15,803 45 



Conting't Prem's. 

$60,062 43 
13,583 99 

$73,646 42 
13,291 76 



$4,030,423 00 $60,354 66 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 50 per cent. 
Average rate to date, 50 per cent. 



,354 66 



$6,398 63 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.] 
AMOS BATES, President. HENRY TV. CU8HINO, Secretary. 



Amount of permanent fund, 



. $193,042 98 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

57 shares Hingham National Bank, Hingham, $3,990 00 $4,275 00 

60 " Old Colony Natl Bank, Plymouth, . 6,000 00 9,000 00 

8 " Abington National Bank, Abington, 800 00 1,024 00 



38 



HINGHAM MUTUAL FIRE INSURANCE CO. 



10 shares Globe National Bank, Boston, . 

19 " Hamilton National Bank, Boston, 
29 " Eagle National Bank, Boston, 
12 " Union National Bank, Boston, 
34 " State National Bank, Boston, . 

26 " North America Natl Bank, Boston 

11 " Commerce National Bank, Boston, 
45 " Webster National Bank, Boston, 
50 " Hingham Water Company, 

92 '• Old Colony Railroad, 
109 " Boston & Albany Railroad, . 

27 " Chicago, Burlington & Quincy R.R. 
Eastern Railroad bonds, .... 
Union Pacific Railroad bonds, . 

Chicago, Burlington & Quincy Railroad bonds 
Hingham Water Company bonds, . 

Town of Hull note, 

Fitchburg Railroad Company note, . 



Securities held as collateral for cash loans : — 



Helena Consolidated Water Company bonds, 
Boston & Lowell Railroad bonds, 

125 shares Worcester, Nashua & Roch. R.R 
2,811 " Fort Wayne Electric Company, 

200 " Burl., Cedar Rapids & NWn R R. 

100 " General Electric Company, . 
Current River Railroad bonds, . 
200 shares Union Pacific Railroad, . 
Little Rock & Fort Smith Railroad bonds, 
Union Pacific, Denver & Gulf R.R. bonds, 
Cedar Rapids & Missouri River R.R. bonds, 
230 shares Atchison, Topeka & Santa Fe R.R 

5 " Amoskeao; Manufacturing Co., 
100 " Northern Railroad, . 
53 " Concord & Montreal Railroad, 
250 " Metropolitan Steamship Co., . 



Par Value. 

$1,000 00 
1,900 00 
2,900 00 
1,200 00 
3,400 00 
2,600 00 
1,100 00 
4,500 00 
5,000 00 
9,200 00 

10,900 00 
2,700 00 
5,000 00 
5,000 00 
5,800 00 

10,000 00 
3,500 00 

10,000 00 



Market Value. 

$900 00 
2,090 00 
2,465 00 
1,500 00 
3,638 00 
52 00 
1,278 75 
4,050 00 
6,000 00 

15,640 00 

21,909 00 
1,998 00 
5,887 50 
5,10 
6,720 50 

10,000 00 
3,500 00 

10,000 00 



£96,490 00 $119,687 75 



Market Value. Loaned Thereon. 

$23,000 00 . ,400 00 



15,000 00 
11,244 00 



12,500 00 
15,000 00 



18,160 00 15,000 00 



14,750 00 12,000 00 



2,760 00 
8,600 00 

23,063 00 
75,000 00 



2,500 00 
8,000 00 

18,000 00 
25,000 00 



§191,577 00 f 128,400 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $4,000 00 

Loans on mortgage of real estate (first liens), 109,550 00 

Stocks, bonds, etc., as per schedule, . . . 119,687 75 

Loans on collateral security, as per schedule, . 128,400 00 

Loans on personal security, .... 2,000 00 

Cash in the office of the company, . . . 497 58 



HINGHAM MUTUAL FIRE INSURANCE CO. 



39 



Cash deposited in bank, $14,929 71 

Premiums in course of collection (gross), . 1,004 97 

Interest due and accrued, 6,932 89 

Gross assets, 



Liabilities. 

Losses claimed and reported, .... $140 00 

Unearned premiums on outstanding risks, . 193,653 73 

Surplus due on terminated policies, . . . 3,394 08 

Commissions and brokerage, .... 150 75 

Salaries, 118 00 

Gross liabilities, 



$387,002 90 



197,456 56 



Net cash assets, .... 

Income. 

Cash premiums received during the year, 
Received for interest on mortgages, 

for interest from all other sources, 

for rents, 

from all other sources, 

Gross cash income, .... 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec 31, 1892, $25,899,656 00 
Risks written during 1893, . 5,898,099 00 



§189,546 34 



388.530 38 

4,763 33 

12,331 54 

162 55 

124 42 

$105,912 22 



$23,878 40 

12,485 44 

4,557 20 

978 44 

54,515 45 

1.263 24 



,678 17 



Cash Prems. Conting*t Prem's. 

$386,253 01 $377,058 65 
88,530 38 86,496 23 



Total, $31,797,755 00 $474,783 39 $463,554 88 

Risks terminated during 1893, . 5,172,464 00 78,138 56 76,247 42 



In force at end of year, 



$26,625,291 00 $396,644 83 $387,307 46 



Losses incurred during the year, $23,674 60 

Percentage of profits or surplus returned during 1893, 50, 70 per cent. 
Average rate to date, 65 to 75 per cent. 



40 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, 

SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 
CHARLES H. PRICE, President. % WALTER L. HARRIS, Secretary. 

THOS. H. JOHNSON, Vice-President. 
Guaranty Capital, $100,000. 

Amount of permanent fund, $494,105 40 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Marion County (Ind.) bonds, .... $5,000 00 $5,500 00 

Washington County (111.) bonds, . . . 2,000 00 2,130 00 

Boston (Mass.) city bonds, .... 5,000 00 5,050 00 

Birmingham (Ala.) city bonds, . . . 5,000 00 5,200 00 

Cincinnati (Ohio) city bonds, .... 16,000 00 19,292 50 

Columbus (Ohio) city bonds, .... 15,000 00 15,500 00 

Cleveland (Ohio) city bonds 13,000 00 14,035 00 

Chicago (111.) city bonds, 6,000 00 6,070 00 

Des Moines (Iowa) city bonds, . . . 4,000 00 4,440 00 

Dayton (Ohio) city bonds, .... 5,000 00 5,100 00 

Evansville (Ind.) city bonds, .... 6,000 00 5,880 00 

Jeffersonville (Ind.) city bonds, . . . 7,000 00 7,840 00 

Lynn (Mass.) city bonds, 8,000 00 8,240 00 

Lawrence (Mass.) city bonds . .... 5,000 00 5,000 00 

Maiden (Mass ) city bonds, .... 10,000 00 10,050 00 

Milwaukee (Wis.) city bonds, .... 5,000 00 5,175 00 

Minneapolis (Minn.) city bonds, . . . 5,000 00 5,000 00 

New Haven (Conn.) city bonds, . . . 5,000 00 5,750 00 

Orange (N. J.) city bonds, .... 10,000 00 10,800 00 

Omaha (Neb.) city bonds, .... 24,500 00 25,357 50 

St. Louis (Mo.) city bonds, .... 5,000 00 5,4i 

St. Paul (Minn.) city bonds 25,000 00 25,650 00 

Atchison, Topeka & Santa Fe Railroad bonds, 17,000 00 9,470 00 

Boston & Maine Railroad bonds, . . . 10,000 00 9,900 00 

Baltimore & Ohio Railroad bonds, . . . 10,000 00 11,200 00 

Burlington & Missouri River R.R. (Neb.) bonds, 10,000 00 9,000 00 

Cincinnati, Hamilton & Dayton Railroad bonds, 10,000 00 10,2 

Chesapeake & Ohio Railroad bonds, . . 10,000 00 11.600 00 

Chicago, Burlington & Quincy R.R. bonds. . 16,500 00 20,047 

Chicago, Burlington & Northern R.R. bonds, . 10,000 00 10,350 00 

Chicago & Alton Railroad bonds, . . . 5,000 00 5,712 50 

Chicago & Eastern Illinois Railroad bonds, . 5,000 00 5,550 00 

Chicago & West Indiana Railroad bonds, . 8,000 00 9,280 00 

Central Pacific Railroad bonds, . . . 7,000 00 7.402 50 

Central New Jersey Railroad bonds, . . 7,000 00 5 00 

Eastern Railroad bonds, 10,000 00 11,700 00 

East Middlesex Street Railroad bonds, . . 10,000 00 10,200 00 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



41 



Housatonic Railroad bonds, 
Jackson. Lansing & Saginaw Railroad bonds 
Kansas City, St. Jo. & C. B. Railroad bonds, 
Kansas City, Ft. S. & Memphis R.R. bonds, 
Lehigh Valley Railroad bonds, 
New York and New England Railroad bonds 
New Haven & Derby Railroad bonds, 
Northwestern Uniou Railroad bonds, 
Terre Haute & So. Eastern Railroad bonds, 
Utah & Northern Railroad bonds, . 
Union Pacific Railroad bonds, . 
Consolidated Vermont Railroad bonds, . 
Boston Building Co., Denver, Col., bonds, 
Col. M. S. Exchange, Denver, Col., bonds, 
Delaware & Hudson Canal Company bonds, 
Keokuk Water Company bonds, 
Western Union Telegraph Company bonds, 

31 shares Old Colony Railroad, 

50 " Portland, Portsmouth & Saco R.R. 
100 " Pitts., Ft. Worth & Chicago R.R., 

40 " National Exchange Bank, Salem, 
10 " First National Bank, Salem, . 

10 " Merchants' National Bank, Salem, 
35 " Mercantile National Bank, Salem, 

41 " Naumkeag National Bank, Salem, 
140 " Salem National Bank, Salem, 

30 " Atlantic National Bank, Boston, 
15 " Blackstone National Bank, Boston 

31 " Continental National Bank, Boston 
50 " Freeman's National Bank, Boston, 
30 " Globe National Bank, Boston, 

100 " Merchant's National Bank, Boston 
50 " Republic National Bank, Boston, 
30 " Revere National Bank, Boston, 

100 " Second National Bank, Boston, 
40 " Shoe and Leather Nat'l Bank,Boston 
10 " Beverly National Bank, Beverly, 
20 " So Danvers Nat'l Bank, Peabody, 
12 " First National Bank, Newburyport 



Par Value. 

|10,000 00 
6,000 00 
5,000 00 
8,000 00 
5,000 00 

15,000 00 

20,000 00 
8,000 00 
5,000 00 

10,000 00 

28,000 00 
2,000 00 

10,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
3,100 00 
5,000 00 

10,000 00 
4,000 00 
1,000 00 
500 00 
3,500 00 
4,100 00 

14,000 00 
3,000 00 
1,500 00 
3,100 00 
5,000 00 
3,000 00 

10,000 00 
5,000 00 
3,000 00 

10,000 00 
4,000 00 
1,000 00 
2,000 00 
1,200 00 



Market Value. 

$11,400 00 
6,180 00 
5,750 00 
6,640 00 
6,025 00 

14,700 00 

22,000 00 

10,560 00 
4,500 00 
6,800 00 

26,720 00 
1,780 00 

10,100 00 

10,000 00 
6,900 00 

10,000 00 
5,325 00 
5,270 00 
6,100 00 

14,800 00 
4,120 00 
1,100 00 
680 00 
4,060 00 
5,207 00 

17,500 00 
3,525 00 
1,342 50 
3,557 25 
5,300 00 
2,700 00 

14,825 00 
7,362 50 
3,000 00 

18,100 00 
3,530 00 
1,450 00 
2,310 00 
1,500 00 



$596,000 00 $644,551 75 



Summary of Assets Dec. 31, 1893. 
Cash value of unencumbered real estate, . $43,150 00 
Loans on mortgage of real estate (first liens), 132,800 00 
Stocks, bonds, etc., as per schedule, . . . 644,551 75 
Cash in the office of the company, . . . 4,510 26 

Cash deposited in bank, 4,787 27 



42 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



Interest due and accrued, 
Rents due and accrued, 
Gross assets, 



$11,489 10 
230 00 



$841,518 38 



Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, ..... 

Xet cash assets, 



$6,850 52 

219 90 

269,974 74 

231 97 



277,277 13 



$564,241 25 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 



$156,451 66 
3,957 00 



Gross cash income, 



$152,494 66 
5,979 06 

33,166 85 
-4 87 

$193,925 44 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, . 
for dividends on guarantee capital, 
for incidental expenses, 

Gross cash expenditures, 



$56,645 87 

23,613 15 

15,220 00 

2,116 60 

.211 96 

10 00 

4,806 23 

8179,613 81 



Miscellaneous. 

Amount. Cash Prem's. Contingt Prem's. 

Risks outstanding Dec. 31, 1892, $35,481,562 00 $509,263 07 $508,403 00 

Risks written during 1893, . 10,796,785 00 157,073 06 155,476 18 



Total, $46,278,347 00 $666,336 13 8663,879 18 

Risks terminated during 1893, . 8,864,520 00 126,386 65 124,856 48 



In force at end of year, . . $37,413,827 00 $539,949 48 $539,022 70 

Losses incurred during the year, $ 60,595 08 

Percentage of profits or surplus returned during 1893, 25, 50, 70 per cent. 



INDUSTRIAL MUTUAL INSURANCE CO. 



43 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 17, 1890. Commenced business June 1, 1890.] 
H. N. DAGGETT, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Lynn & Boston Railroad bonds, . . . $5,000 00 $4,975 00 

Cheshire Railroad bonds 500 00 525 00 

Corporation notes, 38,000 00 38,000 00 



$43,500 00 $43,500 00 

Summary of Assets Dec. 31, 1893. 

Stocks, bonds, etc., as per schedule, . . $43,500 00 

Cash in the office of the company, . . . 792 48 

Cash deposited in bank, 16,576 42 

Premiums in course of collection (gross), . 9,105 84 

Interest due and accrued, 1,281 88 

Gross assets, $71,256 62 

Liabilities. 

Losses adjusted, unpaid, $17,565 50 

Unearned premiums on outstanding risks, . 47,697 59 

Taxes accrued, 323 57 

Gross liabilities, 65,586 66 



Net cash assets, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 



$5,669 96 



$91,289 65 
3,737 70 

$87,551 95 
2,585 20 



Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for rents and joint office expense, . 
for profits or surplus on terminated polices, 

for inspections, 

for incidental expenses, .... 



,137 15 



$42,387 86 

3,343 40 

662 32 

1,843 55 

27,381 99 

1,272 39 

2,739 27 



Gross cash expenditures, . 



$79,630 78 



44 



LOWELL MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31,1892, $5,377,615 00 
Risks written during 1893, . . 10,865,840 00 



Cash I'rem's. Contlng't Prem'8. 

$56,129 61 $280,648 05 
110,467 20 552,336 00 



Total, .... $16,243,455 00 $166,596 81 $832,984 05 

Risks terminated during 1893, . 6,280,569 00 71,201 63 356,008 15 



In force at end of year, 



$9,962,886 00 $95,395 18 $476,975 90 



Losses incurred during the year, $59,953 36 

Percentage of profits or surplus returned during 1893, 53 T ^ ff per cent. 
Average rate to date, 50^ per cent. 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 
J. C. ABBOTT, President. 

Amount of permanent fund, .... 



E. T. ABBOTT, Secretary. 

$73,572 91 



Detailed Statement of Stocks, 



Boston & Lowell Railroad bonds, . 
Lowell & Lawrence Railroad bonds, 
Fitchburg Railroad bonds, 
Consolidated Railroad of Vermont bond, 

Boston city bond, 

30 shares Lowell Bleachery. 

2 
20 

2 
10 

5 

5 

12 
50 
30 

6 

30 

•2o 

20 



Pacific Mills, .... 
Lawrence Manufacturing Company, 
Hamilton Manufacturing Company. 
Lowell Manufacturing Company, . 
Massachusetts Cotton Mills, 

Appleton Company 

Merrimack Manufacturing Company, 
Franklin Manufacturing Company, . 
Hill Manufacturing Company, 
Vermont & Massachusetts Railroad, 
Boston & Maine Railroad, 
Boston & Lowell Railroad, 
First National Bank, Lowell, . 



Bonds, etc. 

Par Value. 

#10,000 00 
4,000 00 
3,000 00 
1,000 00 
2,000 00 
3,000 00 
2,000 00 
2,000 00 
2,000 00 
6,900 00 
5,000 00 
5,000 00 
12,000 00 
5,000 00 
3,000 00 
600 00 
3,000 00 
2,000 00 
2,000 00 



Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate (first liens), f 12,650 00 
Stocks, bonds, etc., as per schedule, . . . 74,575 00 



Market Value. 

$10,220 00 
4,120 00 
2,850 00 

890 00 
2,140 00 
2,940 00 
2,920 00 
2,420 00 
1,800 00 
5,300 00 
4,950 00 
2,975 00 
12,180 00 
5,050 00 
1.740 00 

840 00 
4,020 00 
3,680 00 
3,540 00 



£73,500 00 $74,575 00 



LOWELL MUTUAL FIRE INSURANCE CO. 



45 



Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest due and accrued 

Gross assets, 



$613 86 
6,621 61 

4,827 45 
862 86 



$100,150 78 



Liabilities. 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 

Gross liabilities, .... 



Net cash assets, 



$38,196 60 

1,431 86 

604 14 



40,232 60 
$59,9.18 18 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 

from all other sources, 

Gross cash income, .... 



$24,200 50 

795 10 

$23,405 40 

612 50 

4,510 00 

1,500 00 

$30,027 90 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, ..... 

for profits or surplus on terminated policies. 

for incidental expenses, . 



Gross cash expenditures, 



Miscellaneous. 



$11,063 10 

2,472 53 

5,235 00 

365 83 

500 00 

8,989 51 

1,002 33 

$29,628 30 



Amount. 



Risks outstanding Dec. 31,1892, $4,543,009 00 
Risks written during 1893, 



Total 

Risks terminated during 1893, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Cash Prem's. Conting't Prem's. 

$68,932 51 $68,932 51 
1,650,433 00 25,194 93 25,194 93 



$6,193,442 00 

1,251,840 00 

$4,941,602 00 

19,750 00 



$94,127 44 
17,485 90 



$94,127 44 
17,485 90 



$76,641 54 
248 34 



$76,641 54 
248 34 



$4,921,852 00 $76,393 20 $76,393 20 



Losses incurred during the year, 

Percentage of profits or surplus returned during 



$11,063 10 
1893, 33^, 50, 70 per cent. 



46 



LYNN MUTUAL FIRE INSURANCE CO. 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.] 
GEORGE D. SARGEANT, President. EDWIN H. JOHNSON, Secretary. 

Amount of permanent fund, $56,910 38 



Detailed Statement of Stocks, Bonds, etc. 



40 shares First National Bank, Lynn, 
20 " National City Bank, Lynn, 
5 " Central National Bank, Lynn, . 
10 " Merchants 1 National Bank, Boston, 
15 " West Newton National Bank, . 
35 " Atchison, Topeka & Santa Fe R.R., 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Southern Pacific Railroad bonds, 
Atlantic & Pacific Railroad bonds, . 
Mexican Central Railroad bonds, 

Toledo city bonds, 

Lynn & Boston Railroad bonds, 
Chicago & Great Western Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Ohio & West Virginia Railroad bonds, . 
Ogdensburg & Lake Champlain R.R. bonds, 
East Middlesex Railroad bonds, 
Equitable Mortgage Company bonds, 
Atchison, Topeka & Santa Fe Railroad bonds, 

City of Sioux City bond, 

Boston, Revere Beach & Lynn Railroad bonds, 



Securities held as collateral for cash loans 
Assignment of mortgage, .... 



Par Value. 

$4,000 00 
2,000 00 

500 00 
1,000 00 
1,500 00 
3,500 00 
1,000 00 

500 00 
1,000 00 
1,000 00 
1,000 00 
3,000 00 
2,000 00 
2,000 00 
1,000 00 
2,000 00 
2,000 00 
1,000 00 
7,000 00 

500 00 
2,000 00 



Market Value. 

|6,240 00 

4,000 00 

800 00 

1,500 00 

1,890 00 

515 00 

1,130 00 

575 00 

500 00 

500 00 

1,070 00 

3,030 00 

2.040 00 

2,100 00 

1,130 00 

2,060 00 

2,070 00 

1,000 00 

3,400 00 

500 00 

2,140 00 



$39,500 00 $38,190 00 



Market Value. Loaned Thereon. 

$4,500 00 |3,000 00 



Summary of Assets Dec. 31, 1893. 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, . . . ' . 
Premiums in course of collection (gross). 
Interest due and accrued, .... 
Gross assets, 



$24,275 00 

38,190 00 

3,000 00 

1,596 20 

78 96 

544 13 

14 25 

1,654 52 



f69,353 06 



LYNN MUTUAL FIRE INSURANCE CO. 



47 



Liabilities. 

Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 

Gross liabilities, .... 

Net cash assets, . . 



$515 00 

13,208 61 

168 87 



$13,892 48 



$55,460 58 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



$5,227 56 
491 33 

$4,736 23 
1,129 61 
2,142 20 

$8,008 04 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$545 65 


2,200 


00 


49 


24 


216 


00 


4,548 


50 


466 


32 


$8,025 


71 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $1,992,522 00 
Risks written during 1893, . 385,450 00 



Total $2,377,972 00 

Risks terminated during 1893, 379,840 00 



Cash Prem's. Conting't Prem's. 

$26,245 79 $52,491 58 
5,211 26 10,422 52 



$31,457 05 
5,039 83 



$62,914 10 
10,079 66 



In force at end of year, . . $1,998,132 00 $26,417 22 $52,834 44 

Losses incurred during the year, $1,060 65 

Percentage of profits or surplus returned during 1893, 100 per cent 
Average rate to date, 75 per cent. 



48 



MASSACHUSETTS MUTUAL FIRE INSURANCE CO. 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 21, 1872. Commenced busine68 Jan. 1, 1873.] 
CHARLES B. CUMIN~G8, President. JOHN M.. CORBETT, Secretary. 

Office, 28 State Street. 
Guaranty Capital, $200,000. 

Amount of permanent fund, $27,83." 



Detailed Statement of Stocks, 



150 shares Tremont National Bank, 
80 " Hamilton National Bank, 
100 " Merchants 1 National Bank, 
70 " Union National Bank, . 
160 " New England National Bank 
100 " Columbian National Bank, 
25 " Globe National Bank, . 
100 " Webster National Bank, 
115 " Atchis'n, Topeka & Santa Fe R.R., 
80 " Chicago, Burl & Quiney R.B 
62 " Boston & Maine Railroad, 
Boston & Lowell Railroad bonds, . 
Current River Railroad bonds, 
Kansas & Missouri Railroad bon<l<. 
Atch., Topeka & Santa Fe Railroad bonds, 
Chicago, Burlington & Quiney Railroad bonds, 
Burlington <£: Missouri Railroad bonds, . 
Kansas City, Springfield & Mem. R.R. bonds, 
Chic. June. Rys. & Union Stock Yds. Co. bonds, 



Bonds, etc. 

Par Value. 

$15,000 00 

8,000 00 

10,000 00 

7,000 00 

16,000 00 

10,000 00 

2,500 00 

10,000 00 

11,500 00 

8,000 00 

6,200 00 

6,000 00 

10,000 00 

12,000 00 

15,500 00 

11,700 00 

13,800 00 

10,000 00 

5,000 00 



Market Value. 

$13,350 00 

9,120 00 

14,700 00 

8,750 00 

25,600 00 

10,000 00 

00 

9,200 00 

1,265 00 

6,000 00 

8,680 00 

6,120 00 

6,000 00 

7,200 00 

9,610 00 

10,804 00 

15,014 00 

10,000 00 

5,000 00 



$188,200 00 §178,663 00 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens), $111,800 00 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, 

Liabilities 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 



178,663 00 




135 21 




4,017 96 




7,363 15 




2,653 95 






£304,633 2 




8407 95 




25 00 




90,485 73 




360 67 





MASSACHUSETTS MUTUAL FIRE INSURANCE CO. 



49 



Surplus due on terminated policies, 
Commissions and brokerage, . , 
Gross liabilities, 



Net cash assets, 



$3,427 60 
800 00 



>5,506 95 



$209,126 32 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 

from all other sources, 

Gross cash income, .... 



$69,036 56 
2,312 71 

f66,723 85 

5,050 50 

9,129 19 

84 42 

$80,987 96 



Expenditures. 

Paid for losses during the year, 

Deduct re-insurance, 

Net paid for losses, 

Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for dividends on guaranty capital, . 
for incidental expenses, .... 

Gross cash expenditures, .... 



,292 21 
3 57 



$28,288 64 

8,170 51 

11,338 89 

766 13 

3,000 00 

17,209 58 

11,000 00 

2,051 25 

$81,825 00 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $22,009,315 00 $176,091 88 $176,091 88 

Risks written during 1893, . 9,349,540 00 70,015 63 70,015 63 



Total, $31,358,855 00 $246,107 51 $246,107 51 

Risks terminated during 1893, . 8,833,146 00 63,893 69 63,893 69 



In force at end of year, . . $22,525,709 00 $182,213 82 $182,213 82 
Deduct amount re-insured, . 115,575 00 1,242 35 



Net amount in force, .$22,410,134 00 $180,97147 

Losses incurred during the year, $27,484 09 

Percentage of profits or surplus returned during 1893, 30 per cent. 
Average rate to date, 24 T 3 Q ? per cent. 



50 merchants' and farmers' mutual FIRE INSURANCE CO. 



MERCHANTS' AND FARMERS 1 MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan. 1, 1347.] 
JOHN D. WASHBURN, President. ELIJAH B. STODDARD, Secretary. 

Amount of permanent fund, $120,252 29 



Detailed Statement of Stocks, 

60 shares Atch., Topeka & Santa Fe. R.R., 
50 ' 
25 ' 
20 ' 
20 « 
IS ' 
25 " 
29 ' 
56 ' 
25 ■ 

61 ' 
34 " 
25 ' 
10 ' 



Union Pacific Railroad, 
4 Wachusett National Bank, 
' Westminster National Bank, . 
' Central National Bank, 
' Mechanics 1 National Bank, 
' Quinsigamond National Bank, 
' Wor., Nashua & Rochester R.R., 
1 Chicago & Alton Railroad, 

Chicago, Burlington & Quincy R.R, 
' Boston & Albany Railroad, 
• Providence & Worcester Railroad, 
' Norwich & Worcester Railroad, 
' Boston & Maine Railroad, 
Providence & Worcester Railroad bonds, 
Lawrence City bonds, .... 
Eastern Railroad of Minnesota bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
City of Grand Haven, Mich., bonds, 
City of Mankato, Minn., .... 
Corporation note, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, 

Liabilities 

Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



Bonds, etc. 

Par Value. 

$6,000 00 

5,000 00 

2,500 00 

2,000 00 

2,000 00 

1,300 00 

2,500 00 

2,900 00 

5,600 00 

2,500 00 

6,100 00 

3,400 00 

2,500 00 

1,000 00 

25,000 00 

10,000 00 

5,000 00 

500 00 

13,900 00 

10,000 00 

5,000 00 

750 00 



Market Value. 

$720 00 

900 00 

5,625 00 

2,000 00 

3,000 00 

1,300 00 

50 00 

3,625 00 

7340 00 

1^76 00 

12,822 

00 

4.450 00 

1,340 00 

28,750 00 

11,800 00 

5,000 00 

500 00 

7,539 00 

10,000 00 

5,000 00 

750 00 



Net cash assets, 



$115,450 00 f 126,086 00 

31, 1893. 

$33,800 00 

82,302 05 

126,086 00 

8,405 33 

8,986 66 

7,096 18 

$266,676 22 



$4,866 20 

173,077 35 

3,000 00 

1,222 79 



182,166 34 



$84,509 88 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



51 



Income. 

Cash premiums received during the year, 

Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 

Gross cash income, 

Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 

for incidental expenses, 

for repairs of real estate, 

Gross cash expenditures, 



H02,286 90 
3,428 48 



$98,858 42 

4,356 76 

6,568 04 

878 08 



$110,661 30 



$67,805 00 

15,381 89 

7,075 27 

1,713 97 

38,449 65 

3,727 39 

242 81 



. $134,395 98 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1892, $23,110,251 CO $340,477 63 $340,477 63 

Risks written during 1893, . 7,072,936 00 101,278 28 101,278 28 



Total, $30,183,187 00 $441,755 91 $441,755 91 

Risks terminated during 1893, . 6,762,653 00 95,601 21 95,601 21 



In force at end of year, . . $23,420,534 00 $346,154 70 $346,151 70 

Losses incurred during the year, $67,553 92 

Percentage of profits or surplus returned during 1893, 20, 40, 60 per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced business March 1, 1828.] 
WILLIAM 8. JENKINS, President. JOSEPH A. SMART, Secretary. 

Amount of permanent fund, $150,206 00 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Cincinnati city bonds $16,000 00 $19,600 00 

Fall River city bonds, 10,000 00 10,700 00 

Lynn city bonds, 5,000 00 5,500 00 



52 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



United States bonds, ... 
Cambridge Horse Railroad bonds, 
Metropolitan Horse Railroad bonds, 
Boston & Maine Railroad bonds, 
Old Colony Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Chicago & Northwestern Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 

Toledo city bonds, 

Lynn & Boston Horse Railroad bonds, 

Spokane and Palouse Railroad bonds, 

Salem (Ohio) Water Company bonds, 

Helena (Montana) Water company bonds, 

Chicago, Wisconsin and Minn. R.R. bonds, 

Northern Pacific & Montana Railroad bonds, 

Chicago, Peoria & St Louis Railroad bonds, 

Watervliet Turnpike Railroad bonds, 

50 shares Boston Investment Company, 

Auburn Street Railway bonds, 

Sioux City Land Company bonds, 

Cleveland Cable bonds, . 

Andover Electric Company bonds, 

Andover water bonds, 

Globe Street Railway bonds, . 

Seattle city bonds, 

Chicago city bonds, . 

15 shares Lawrence National Bank, 

19 shares Andover National Bank, 



Par Value. 

$27,000 00 

15,000 00 

20,000 00 

2,000 00 

10,000 00 

10,000 00 

10,000 00 

10,500 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

6,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

4,500 00 

8,000 00 

5,500 00 

9,000 00 

10,000 00 

5,000 00 

7,000 00 

1,500 00 

1,900 00 



Market Value. 

.700 00 

15,000 00 

.000 00 

'0 00 

10,000 00 

10,100 00 

10,700 00 

6,040 00 

5,350 00 

5,000 00 

9,500 00 

00 

4,500 00 

3,750 00 

4,750 00 

5,000 00 

4,750 00 

10,400 00 

3,500 00 

7,500 00 

00 

00 

6,050 00 

9,360 00 

9,500 00 

5,000 00 

7,280 00 

1,800 00 

2,090 00 



$268,900 00 $259,220 00 



Summary of Assets Dec 31, 1893. 

Cash value of unencumbered real estate, . $8,000 00 

Loans on mortgage of real estate (first liens), 35,800 00 

Stocks, bonds, etc., as per schedule, . . . 259,220 00 

Cash in the office of the company, . . . 610 46 

Cash deposited in bank, 11,509 08 

Premiums in course of collection (gross), . 6,098 36 

Interest due and accrued, 7,717 78 

Gross assets, $328,955 68 

Liabilities. 

Losses adjusted, unpaid, $10,551 47 

Unearned premiums on outstanding risks, . 216,347 36 

Commissions and brokerage, . . . . 914 75 

Gross liabilities,.- 227,813 58 

Net cash assets, ? 101,142 10 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



53 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortofa^es, 

for interest froin all other sources, . 

for rents, 



$112,477 28 
4,172 29 



$108,304 99 

1,730 00 

14,424 61 

281 63 



Gross cash income, $124,741 23 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

lor State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 

Gross cash expenditures, 



$44,325 21 

16,467 08 

6,446 00 

1,053 57 

600 00 

50,439 30 

3,819 95 



$123,151 11 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $26,855,546 00 $411,201 68 $411,201 68 

Risks written during 1893, . 7,323,003 00 112,416 10 112,416 10 



Total, . . . . $34,178,549 00 $523,617 78 $523,617 78 

Risks terminated during 1893, . 6,130,075 00 90,923 05 90,923 05 



In force at end of year, . . $28,048,474 00 $432,694 73 $432,694 73 

Losses incurred during the year, $49,405 18 

Percentage of profits or surplus returned during 1893, 70, 50, 25 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826.] 
GEORGE HEYWOOD, President. RICHARD F. BARRETT, Secretary. 

Amount of permanent fund, $327,532 84 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

50 shares Blackstone National Bank, Boston, $5,000 00 $4,475 00 

15 " Merchants' National Bank, Boston, 1,500 00 2,220 00 

40 " Webster National Bank, Boston, . 4,0o0 00 3,600 00 



54 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



53 shares Boston National Bank, Boston, 
25 " Eliot National Bank, Boston, . 

54 " Howard National Bank, Boston, 
30 " Revere National Bank, Boston, 

113 " Shawmut National Bank, Boston, 
20 " Faneuil Hall Nat'l Bank, Boston, 
44 " No. American Nat'l Bank, Boston, 
10 " Central National Bank, Boston, 
30 " Traders' National Bank, Boston, 
18 " State National Bank, Boston, . 
10 " Market National Bank, Boston, 
5 " Suffolk National Bank, Boston, 
30 " Commercial Nat'l Bank, Boston, 
33 " Concord National Bank, Concord, 
57 " Boston & Albany Railroad, 
88 T 5 & V Cleveland & Canton Railroad, 

100 " Fitchbnrg Railroad, 
50 " Philadelphia, Wil. & Bait. R.R., 

216 " Chicago, Burl. & Quincy Railroad, 

230 " Atchison, Topeka & Santa Fe R.R., 

120 " Pullman Palace Car Co., 
50 " Massachusetts Real Estate Co., 

Eastern Railroad bonds, .... 

Burlington & Missouri Railroad bonds,' . 

Chicago, Burlington & Quincy R.R. bonds, 

Portland & Ogdensburg Railroad bonds, 

Akron & Chicago June. Railroad bonds, . 

Chicago, Burlington & Northern R.R. bonds, 

Atchison, Topeka & Santa Fe Railroad bonds 

Fitchbnrg Railroad bonds, 

Cincinnati, Ham. & Dayton Railroad bonds, 

Concord & Montreal Railroad bonds, 

East Middlesex Street Railway bonds, 

Globe Street Railway bonds, 

Bath city bonds, 

Toledo city bonds, 

Cambridge city bonds, 

Omaha city bonds, . 

Illinois Steel Company bonds, 

United States bonds, 

Concord water bonds, 

Concord school loan, 



Par Value. 

$5,300 00 

2,500 00 

5,400 00 

3,000 00 

11,300 00 

2,000 00 

4,400 00 

1,000 00 

3,000 00 

1,800 00 

1,000 00 

500 00 

3,000 00 

3,300 00 

'0 00 

8,852 00 

10,000 00 

2,500 00 

21,600 00 

23,000 00 

12,000 00 

5,000 00 

6,000 00 

7,000 00 

14,000 00 

20,000 00 

10,000 00 

2,000 00 

6,328 00 

20,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

3,000 00 

10,000 00 

20,000 00 

5,000 00 

10,000 00 

10,000 00 

19,500 00 

2,000 00 



Market Value. 

$4,770 00 
2,950 00 
5,373 00 
7 50 
12,656 00 
2,400 00 
4,488 00 
1,377 
2,257 50 
1,926 00 
900 00 
47' 
20 00 
5,11 

11,457 00 

265 56 

50 00 

50 00 

20,168 00 

2,356 00 

19,560 00 

4,000 00 

7,065 00 

6,335 00 

14,455 00 

21,200 00 

10,200 00 

2,040 00 

3,160 26 

20,100 00 

10,100 00 

5,000 00 

10,350 00 

10,000 00 

3,195 00 

10,000 00 

20,800 00 

5,000 00 

9,000 00 

11,325 00 

22,000 00 

2,200 00 



Securities held as collateral for cash loans : — 

10 shares Fitch burg Railroad, . 
8 shares American Powder Mills, . 



$346,480 00 $332,343 57 



Market Value. 

$745 00 
1,120 00 



Loaned Thereon. 



$1,800 00 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



55 



9 shares Chicago & West Michigan R.R 
8 " New England Tel. & Tel. Co., 

71 " Illinois Steel Co., 

58 " Pemberton Mills, 

60 " Chicago, R. I. & P. Railroad, 

Lake Shore Railroad bonds, 

Crystal Lake water bond, 

15 shares American Bell Telephone Co., 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash deposited in bank, .... 
Premiums in course of collection (gross) , 
Interest due and accrued, 
Rents due and accrued, .... 
Gross assets, 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 



Market Value. 

$180 00^ 
424 00 ' 
3,550 00 | 
6,960 00 J 
4,800 00 > 
1,150 00 
1,000 00 J 
2,895 00 



Loaned Thereon. 

$9,000 00 

4,500 00 
2,000 00 



$22,824 00 $17,300 00 

31, 1893. 

$31,700 00 

104,875 00 

332,343 57 

17,300 00 

35,250 00 

12,935 85 

6,441 24 

8,716 40 

425 00 

$549,987 06 



$2,250 00 
255,623 07 



257,873 07 



Net cash assets, $292,113 99 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

for rents, 

from all other sources, 

Gross cash income, .... 



$147,443 74 

1,082 39 

$146,361 35 

23,639 69 

590 00 

47 50 



$170,638 54 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and emplo} T ees, 
for State and local taxes, . . . 
for profits or surplus on terminated policies, . 

for repairs on real estate, 

for incidental expenses, ..... 

Gross cash expenditures, 



$50,266 20 
21,604 48 
9,159 00 
2,076 39 
74,504 94 
1,040 00 
4,098 75 



$162,749 76 



56 



MILFORD MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1892, $32,507,291 00 $481,159 08 §181,151) 08 

Risks written during 1893, . 9,863,936 00 145,777 94 145,777 94 



Total $42,371,227 00 $626,937 02 $626,937 02 

Risks terminated during 1893, . 7,936,793 00 115,690 88 115,690 88 



In force at end of year, 



$34,434,434 00 $ 511,246 14 $511,246 14 



Losses incurred during the year, $51,402 70 

Percentage of profits or surplus returned during 1893, 70, 50 per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD. 

[Incorporated Dec. 3, 1851. Commenced business January, 1852.] 
GEORGE L. COOK, President. ABBOTT A. JENKINS, Secretary. 

Amount of permanent fund, $7,562 74 



Detailed Statement of Stocks, Bonds, etc. 



10 shares Milford water bonds, 
9 shares Hide and Leather National Bank, 



Par Value. 

$5,000 00 
900 00 



Market Value. 

$5,200 00 
1,200 00 



f5,900 00 $6,400 00 



Summary of Assets Dec. 31, 1893. 



Stocks, bonds, etc., as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Unpaid assessments on deposit notes, $4,275 49 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



$6,400 00 

117 32 

896 20 

7,693 50 

1,187 26 

11 25 



$9,901 55 

257 41 

6 11 

127 07 



$16,310 53 



10,292 14 



Net cash assets, 



$6,018 39 



MUTUAL FIRE ASSURANCE CO. 



57 



Income. 

Cash premiums received during the year, .... 
Deduct return premiums, . . ' 

Net cash premiums received, 

Received for interest from all sources, ..... 
Received from assessm'ts on dep. notes or contingent prem's, 

Gross cash income, 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for inspections, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $2,119,094 00 
Risks written during 1893, . 822,863 00 



Total, $2,941,957 00 

Risks terminated during 1893, . 1,368,840 00 



Cash Prem's. 

$27,394 89 
12,403 67 

339,798 56 
19,995 46 



$12,403 67 
3,533 85 



$8,869 82 


1,037 


04 


10,724 


51 


$20,631 


37 


$14,554 25 


2,292 


01 


710 


36 


136 


48 


235 


83 


715 


52 


898 


44 



$19,542 89 



Contlng't Prem's. 

$27,394 89 
12,403 67 

$39,798 56 
19,995 46 



In force at end of year, 



$1,573,117 00 $19,803 10 $19,803 10 



Losses incurred during the year, $13,506 34 

Assessments laid on deposit notes or contingent premiums, . 15,000 00 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.] 
ALFRED ROWE, President. FRANK R. YOUNG, Secretary. 

Amount of permanent fund, $117,216 93 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Union Pacific Railroad bonds, .... $8,000 00 $8,080 00 

Vermont Valley Railroad bonds, . . . 4,000 00 4,400 00 

Chicago, Burlington & Northern R.R. bonds, . 500 00 510 00 

Western Union Telegraph bonds, • . . 7,000 00 7,700 00 



58 



MUTUAL FIRE ASSURANCE CO. 



Par Value. Market Value. 

Chesapeake & Ohio Railroad bonds, . . $4,000 00 $4,120 00 

Ohio Southern Railroad bonds, . . . 3,000 00 2,850 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 5,000 00 4,500 00 

Chicago, Burlington & Quincy Railroad bonds, 500 00 515 00 

Philadelphia, Wilmington & Bait. R.R. bonds, 4,000 00 4,000 00 

75 shares Second National Bank, Springfield, 7,500 00 10,500 00 

61 " Chicopee Nat'l Bank, Springfield, . 6,100 00 9,455 00 

25 " John Hancock Nat'l Bank, Sprld, . 2,500 00 3,000 00 

25 " First National Bank, Springfield, . 2,500 00 2,500 00 

25 " Chapin National Bank, Springfield, 2,500 00 3,625 00 

10 " Monson National Bank, Monson, . 1,000 00 1,500 00 

10 " First National Bank, Chicopee, . 1,000 00 1,500 00 

50 " Hadley Falls NatU Bank, Holyoke, 5,000 00 7,750 00 

50 " Commerce National Bank, Boston, . 5,000 00 5,800 00 

20 " Springfield Xaf 1 Bank, Springfield, 2,000 00 00 

96 " Boston & Albany Railroad, . . 9,600 00 19,200 00 

150 " N. Y. Central & Hudson River R.R., 15,000 00 15,000 00 

55 " Chicago, Burlington & Quincy R.R. , 5,500 00 4,070 00 

50 " Union Pacific Railroad, . . . 5,000 00 850 00 

40 " Lake Shore & Michigan So. R.R., . 4,000 00 4,880 00 

8110,200 00 $128,805 00 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens), $19,750 00 

Stocks, bonds, etc., as per schedule, . . . 128,805 00 

Cash in the office of the company, . . . 340 46 

Cash deposited in bank, 7,411 85 

Interest due and accrued, 712 48 

Gross assets, 



§157,019 79 



Liabilities. 

Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 

Gross liabilities, 



81,500 00 

35,761 84 

300 15 



37,561 99 



Net cash assets, $119,457 80 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all sources, 



$17,851 00 
815 99 

$17,035 01 
1,218 46 
5,417 31 



Gross cash income, 



$23,670 78 



MUTUAL PROTECTION FIRE INSURANCE CO. 



59 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$839 


21 


3,336 


00 


184 


63 


500 


00 


13,628 


90 


419 


36 


$18,908 


10 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $4,626,988 00 
Risks written during 1893, . 1,116,700 00 



Total, $5,743,688 00 

Risks terminated during 1893, . 1,071,325 00 



In force at end of year, . . $4,672,363 00 
Losses incurred during the year, 



Cash Prem's. Conting't Prem's. 

$69,907 23 $139,814 46 
17,877 00 35,754 00 



,784 23 $175,568 46 
16,260 54 32,521 08 



$71,523 69 $143,047 38 
$2,339 21 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 
AMOS STONE, President. GEO. H. PENDERGAST, Secretary. 

Office, Thompson Square, Charlestown. 
Amount of permanent fund, $52,639 30 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

$1,000 00 
2,000 00 
1,550 Q0 
1,000 00 
5,000 00 
2,000 00 



10 shares Monument National Bank, 
20 " National Bank of the Republic, 
31 " Charlestown Gas Company, 
10 " Somerville Electric Light Co., . 
50 " Atch., Top. & Santa Fe R.R., . 
Northern Pacific Railroad bonds, 



Market Value. 

$2,300 00 
2,940 00 
2,852 00 
1,000 00 
500 00 
2,200 00 



$12,550 00 $11,792 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $14,900 00 

Loans on mortgage of real estate (first liens), 30,500 00 

Stocks, bonds, etc., as per schedule, . . . 11,792 00 



60 



MUTUAL PROTECTION FIRE INSURANCE CO. 



Cash in the office of the company, . . . $279 77 

Cash deposited in bank, 3,903 07 

Premiums in course of collection (gross), . 512 75 

Interest due and accrued, 1,832 56 

Rents due and accrued, . . $550 00 

Gross assets, 



$63,720 15 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 

Gross liabilities, .... 



$242 88 

7,859 52 

374 24 



8,476 64 



Net cash assets, 



$55,243 51 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 



Gross cash income, 



$3,992 12 

97 20 

$3,894 92 

1,032 29 

954 06 

646 00 

$6,527 27 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 
for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$2,520 86 


752 


16 


499 


06 


500 00 


1,872 


40 


1,457 


98 



$7,602 46 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $1,278,377 00 
Risks written during 1893, . 351,796 00 



Total, .... $1,630,173 00 

Risks terminated during 1893, . 325,320 00 



In force at end of year, . 



Cash Prem's. Conting't Prem's. 

$14,925 01 $14,925 01 



4,467 57 

$19,392 58 
3,673 55 



$1,304,853 00 $15,719 03 



4,467 57 

$19,392 58 
3,673 55 

$15,719 03 
$2,537 19 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 20, 40, 70 per cent. 
Average rate to date, 40 per cent. 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



61 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.] 
AMOS NOTES, President. LAWRENCE W. BROWN, Secretary. 

Amount of permanent fund, $27,021 89 



Detailed Statement of Stocks, 

100 shares Mer. Nat'l Bank, Newburyport, 

18 ■ 

31 ' 
15 

10 ' 

10 ' 

10 ' 

10 ' 

10 ' 

14 ' 

10 ' 

20 « 

10 ' 



Mech. Nat'l Bank, Newburyport, 
Ocean Nat'l Bank, Newburyport, 
Washington Nat'l Bank, Boston, 
Hide and Lea. Nat'l Bank, Boston, 
Market Nat'l Bank, Boston, . 
Shoe and Lea. Nat'l Bank, Boston, 
Traders' Nat'l Bank, Boston, . 
Chicago & Northwestern Railroad 
Chic, Burl. & Quincy Railroad, 
Atch., Topeka & Santa Fe R.R., 
Boston & Maine Railroad, 
Westinghouse, preferred, 
1 share American Bell Telephone, 
5 shares General Electric, 
Rutland Railroad bonds, .... 
Chic, Burl. & Northern Railroad bonds, 
Atch., Topeka & Santa Fe R.R. bonds, 
Consolidated Railroad of Vermont bonds, 
Lawrence city bonds, .... 
Fall River city bonds, .... 



Bonds, etc. 

I'ar Value. 

$2,000 00 
1,800 00 
1,550 00 
1,500 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,400 00 
1,000 00 
2,385 50 
500 00 
100 00 
500 00 
1,500 00 
2,000 00 
6,000 00 
2,000 00 
1,000 00 
1,000 00 



Market Value. 

$2,400 00 

2,160 00 

1,705 00 

1,515 00 

1,055 00 

890 00 

880 00 

900 00 

980 00 

1,050 00 

105 00 

2,690 00 

480 00 

184 00 

315 00 

1,590 00 

2,040 00 

3,410 00 

1,780 00 

1,050 00 

1,130 00 



131,235 50 $28,309 00 



Summary of Assets Dec. 31, 1893. 



Stocks, bonds, etc., as per schedule, 
Cash deposited in savings banks, 

Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 



$28,309 00 
2,879 56 



1,192 72 



$31,188 56 



4,192 72 



Net cash assets, . . " $26,995 84 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, 



$2,025 12 
28 35 

$1,996 77 



62 



NORFOLK MUTUAL FIRE LN8URANCE CO. 



Received for interest from all sources, 
Received from policy fees, 



Gross cash income, 



EXPEXDITILI 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, . 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, . 



Gross cash expenditures, . 



Miscellaneous 



Risks outstanding Dec. 31, 1892 
Risks written during 1893, 

Total, .... 
Bisks terminated during 1893, 

In force at end of vear. 



Amount. 

$672,815 00 
152,725 00 



Cash Prem's. 

$8,319 34 
25 12 



$825,540 00 
147,505 00 



$10,344 46 
1,958 91 



.975 00 $5,385 do 



3 55 
71 00 

•8,621 



$28 25 

4 50 

2 42 

150 00 

1,990 77 

.' 02 



23 96 



Conting't Prem's. 

$33,277 36 

8,1' 



$41,377 84 
5 64 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 100 per cent. 
Average rate to date, 100 per cent. 



?33,542 20 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. 12, 1S25. Commenced business July 1, 1 
J. WHITE BELCHER, President. ELIJAH HOWE, Jr., Secretary. 



Amount of permanent fund Dec. 31, 1892, 
Increase during the vear 



Permanent fund Dec. 31, 1893, . 

Detailed Statement of Stocks, 

100 shares Old Colony Railroad, 

" Boston & Lowell Railroad, 
125 " Boston & Albany Railroad, 
100 4i Chicago, Burlington & Quincv R.R., 

20 '• Boston & Providence Railroad. 
100 " Atch., Topeka ft Santa Fe R.R.. 

50 " Dedham Water Company, 

City of Boston bonds, 

N. H. Trust Company bonds, .... 



Boxds, ETC. 
Par Value. 

$10,000 00 

00 

12,500 00 

10,000 00 

2,000 00 

.'X)0 00 

5,000 00 

10,000 00 

10,000 00 



$319,511 80 
9.497 97 



?329,009 



Market Value. 
•517,300 00 

13,800 00 

25,000 00 

00 

5,000 00 

00 

5,000 00 

U',235 00 

00 



NORFOLK MUTUAL FIRE INSURANCE CO. 



<)3 



Consolidated Street Railway Company bonds, 
Boston & Providence Railroad bonds, 
Minneapolis Gas Light Company bonds, . 
N. E. Mortgage Security Company bonds, 
Boston & Lowell Railroad bonds, . 
Union Pacific Railroad bonds, . 
Maine Central Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Cincinnati city bonds, .... 
Kan. City, St, J. & Council Bluffs R.R. bonds 

Chicago city bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Northern Pacific Railroad bonds, 

Philadelphia & Reading Railroad bonds, . 

Concord & Montreal R.R. bonds, 

Old Colony Railroad bonds, 

Fremont, Elkhorn & Mo. Val. Railroad bonds 

Washington County, Illinois, bonds, 

Fitchburg Railroad bonds, 

Grand Avenue Railway, Kansas City, bonds, 

Lombard Investment Company bonds, 

Western Security Company bonds, . 

Salem city bonds, 

Randolph town notes, .... 



Par Value. 

$5,000 00 

20,000 00 

5,000.00 

23,000 00 

20,000 00 

25,000 00 

15,000 00 

10,000 00 

25,000 00 

9,000 00 

6,000 00 

48,000 00 

5,000 00 

8,000 00 

10,000 00 

22,000 00 

5,000 00 

5,000 00 

20,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

9,300 00 



Market Value. 

$5,000 00 

20,450 00 

5,000 00 

21,850 00 

20,375 00 

20,700 00 

15,650 00 

8,000 00 

30,500 00 

10,350 00 

6,000 00 

26,940 00 

5,500 00 

9,200 00 

10,200 00 

23,120 00 

5,750 00 

5,000 00 

20,000*00 

4,800 00 

3,750 00 

3,750 00 

5,100 00 

9,300 00 



|392,300 00 $389,820 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $10,000 00 

Loans on mortgage of real estate (first liens), 55,400 00 

Stocks, bonds, etc., as per schedule, . . 389,820 00 

Cash deposited in bank, 3,450 75 

Premiums in course of collection (gross), . 4,700 82 

Interest due and accrued, 6,636 49 

Rents due and accrued, 137 50 

Gross assets, 



70,145 56 



Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Gross liabilities, 

Net cash assets, .... 



$300 00 

2,325 00 

138,279 82 

148 36 

4,052 31 

705 12 



145,810 61 
$324,334 95 



64 



PAPER MILL MUTUAL INSURANCE CO. 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, ..... 



$75,75.0 51 
1,927 13 

$73,828 38 

2,176 13 

20,361 87 

894 05 



Gross cash income, $97,260 43 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 

for incidental expenses, 

■ 

Gross cash expenditures, 



Miscellaneous. 

Amount. Cash Preui's. 

Risks outstanding Dec. 31, 1892, $18,167,530 00 $265,523 88 

Risks written during 1893, . 5,035,787 00 73,911 50 



Total, $23,203,317 00 ?339,435 38 

Risks terminated during 1893, . 4,217,14100 62,875 74 



In force at end of year, . . $18,986,176 00 £276,559 64 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 33£, 50, 



$23,803 93 

11,219 84 

6,337 81 

1,110 72 

40,045 09 

1,485 70 

.003 09 



Conting't Prems. 

$264,633 60 
72,479 18 

$337,112 78 
61,431 25 

$275,681 53 

$20,849 92 

70 per cent. 



PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated Nov. 23, 1886. Commenced business April 1, 1887.] 
R. W. TOPPAN, President. WM. H. H. WHITING, Secretary. 

Office, No. 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Portland & Ogdensburg Railroad bonds, . $5,000 00 $5,150 00 

Fitchburg Railroad bonds, .... 5,000 00 5,150 00 

Cincinnati, Sandusky & Cleveland R.R. bonds, 5,000 00 5,125 00 

Maine Central Railroad bonds, . . 10,000 00 10,400 00 

Atchison, Topeka & Santa Fe Railroad bonds, 5,000 00 3,350 00 



PAPER MILL MUTUAL INSURANCE CO. 



65 



Pennsylvania Railroad bonds, . 
Newton water bonds, 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Interest accrued, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, 

Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for office and inspection expenses, . 



Par Value. 

$5,000 00 
5,000 00 



$3,259 05 

24,461 48 

84 23 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $4,386,165 00 
Risks written during 1893, . 5,304,264 00 



Market Value. 

$5,600 1,0 
5,325 00 



$10,000 00 $40,100 00 

31, 1893. 

$10,100 00 

133 97 

7,638 80 

429 25 

450 00 



$48,752 02 



32,804 76 
$15,947 26 



$53,372 31 
2,925 11 



$50,447 20 
2,020 73 

$52,467 93 



$17,881 06 

2,840 00 

480 80 

150 00 

28,273 32 

1,026 45 

$50,651 63 



Cash Prem's. Conting't Prem's. 

$44,769 08 $223,845 40 
51,715 93 258,579 65 



Total, .... $9,690,429 00 

Risks terminated during 1893, . 4,679,084 00 



$96,485 01 $482,425 05 
47,562 06 237,810 30 



In force at end of year, 



$5,011,345 00 



$48,922 95 $244,614 75 
$26,156 34 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 63jJ$ per cent. 
Average rate to date, 66^ per cent. 



66 



PATRONS MUTUAL FIRE INSURANCE CO. 



PATRONS 1 MUTUAL FIRE INSURANCE COMPANY. WORCESTER 

Incorporated May 23, 1887. Commenced business Aug. 1, 1887. 
NORMAN B. DOUGLA88, President. GEORGE R. CHASE, Secretary. 

Summary of Assets Dec. 31, 1893. 



Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Unpaid assessments on deposit notes, 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Commissions and brokerage, . 

Rents and salaries, 

Gross liabilities, .... 



Net cash assets, 



$3,593 42 

364 00 

3,009 92 



$1,157 19 

65 00 

3,883 17 

100 00 

62 80 

886 79 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, 

Received for interest from all other sources, .... 
Received from assessm'ts on dep. notes or contingent prem's, 



Gross cash income, 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees 

for State and local taxes, . 

for rents, 



Gross cash expenditures, . 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 



Miscellaneous. 

Amount. 

8734,755 00 
159,694 00 



$6,967 34 



6,154 95 
$812 39 



12,037 64 

133 18 

$1,904 46 

61 23 

2,810 69 

$4,776 38 



$3,851 57 


448 37 


649 27 


64 89 


2 00 



$5,016 10 



Cash rrem's. Conting't Prem's. 

$7,612 48 $26,847 95 



1,760 53 



5,281 59 



Total,. 
Risks terminated during 1893, 

In force at end of year, . 



$894,449 00 
145,662 00 



$9,373 01 
1,606 66 



$32,129 54 
4,819 98 



§748,787 00 $7,766 35 $27,309 56 



Losses incurred during the year, $5,073 76 

Assessments laid on deposit notes or contingent premiums, . 5,820 61 



QUINCY MUTUAL FIRE INSURANCE CO. 



67 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 
CHARLES A. EOWLAND, President. WM. H. FAY, Secretary. 

Amount of permanent fund, $350,000 00 



Detailed Statement of Stocks, Bonds, etc. 



88 shares Rockland National Bank, Boston, 

200 " Manufacturers' Nat'l Bank, Boston 

370 " Third National Bank, Boston, 

70 " Second National Bank, Boston, 

50 " First National Bank, Boston, . 

40 " Merchants' National Bank, Boston 

35 " State National Bank, Boston, . 

66 " Washington National Bank, Boston 

37 " Revere National Bank, Boston, 

50 " Hamilton National Bank, Boston, 

46 " Continental National Bank, Boston 

75 " Redemption National Bank, Boston 

25 " Market National Bank, Boston, 

100 " North National Bank, Boston, 

244 " Mt. Wollaston Nat'l Bank, Quincy 

44 " Granite National Bank, Quincy, 

50 " Wachusett Nat'l Bank, Fitchburg, 

64 " Hingham Nat'l Bank, Hingham, 

48 " First Nat'l Bank, South Weymouth 

77 " Union N'l Bank, South Weymouth 

10 " Quinsigamond N'l B'k, Worcester, 
50 " Brockton National Bank, Brockton 
29 " Plymouth National B'k, Plymouth 
25 " First National Bank, West Newton 

200 " Chicago, Burl. & Quincy R.R., 

300 " Boston & Lowell Railroad, 

11 " Old Colony Railroad, 
107 " Hingham Cordage Co., . 
178 " Lawrence Duck Co., 

8 " Quincy Street Railway, . 
East Middlesex Street Railroad bonds, 
50 shares State St. Safe Deposit and Trust Co. 

Chicago, Burlington & Quincy Railroad Co., 

City of Quincy notes, .... 



Par Value. 

$8,800 00 

20,000 00 

37,000 00 

7,000 00 

5,000 00 

4,000 00 

3,500 00 

6,600 00 

3,700 00 

5,000 00 

4,600 00 

7,500 00 

2,500 00 

10,000 00 

24,400 00 

4,400 00 

5,000 00 

4,480 00 

4,800 00 

7,700 00 

1,000 00 

5,000 00 

2,900 00 

2,500 00 

20,000 00 

30,000 00 

1,100 00 

10,700 00 

17,800 00 

800 00 

10,000 00 

5,000 00 

11,500 00 

30,500 00 



Market Value. 

$11,880 00 

20,000 00 

29,260 00 

12,670 00 

12,000 00 

5,920 00 

3,745 00 

6,666 00 

3,700 00 

5,000 00 

5,244 00 

9,225 00 

2,250 00 

10,900 00 

30,500 00 

5,500 00 

10,000 00 

4,480 00 

5,280 00 

8,085 00 

1,050 00 

6,250 00 

3,045 00 

2,500 00 

14,800 00 

55,200 00 

1,870 00 

10,700 00 

17,800 00 

800 00 

10,000 00 

5,000 00 

13,350 00 

30,500 00 



$324,780 00 $375,170 00 



68 



QUIXCY MUTUAL FIRE INSURANCE CO. 



Securities held as collateral for cash loans : — 



Decatur City Water Compaq bonds, 
25 shares Fitchburg Railroad Company, 
Toledo, St. Louis & Kansas City bonds, 
25 shares American Bell Telephone, 
50 shares National Lead Company, . 
Birmingham bonds, .... 
Oregon Improvement Company bonds, 
Phoenix water bonds, 
Globe Street Railway bonds, . 
Oswego town bonds, 
IS'. E. Equipment Company bonds, . 
Atchison & Jewel Company bonds, . 
Oregon Improvement Company bonds, 
Union Pacific sinking fund bonds, . 
Boston city bonds, .... 
Central Investment Association bonds, 
Warehouse receipts, .... 
1,100 shares Reversible Rivet Company, 
Logan (Utah) city bonds, 
Old Colony Railroad bonds, 
Charlotte City water bonds, 
Burlington & Missouri R.R. bonds, . 
Union Street Railway bonds, . 
Trenton Pass. Railroad bonds, . 
Waynesburg & Canton bonds, . 
Boston & Maine Railroad bonds, 
New Whatcom bonds, 
Minneapolis city bonds, . 
Clark (South Dakota) bonds, . 
Goodland (Kansas) bonds, 
12 shares Minnehaha Trust Company, 
15 shares Sioux Falls National Bank, 



Market Value. 

$13,000 00 
1,850 00 
1,600 00 
4,450 00 
3,600 00 
500 00 
700 00 
3,000 00 
1,000 00 }► 
1,000 00 
1,800 00 
1,400 00 
1,500 00 
8,000 00 
300 00 
5,000 00 j 

20,000 00 
5,000 00 
1,000 00^1 
1,000 00 
2,000 00 
900 00 
1,000 00 

12,317 00 
4,500 00 

10,000 00 
5,000 00 
1,125 00 
1,070 00 
1,040 00 J 

3,000 00 



Loaned Thereon. 

$10,000 00 



32,500 00 



17,000 00 
2,800 00 



} 36,000 00 



2,500 00 



§117,682 00 $100,800 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in banks, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Gross assets, ..... 



31, 1893. 

$17,000 00 

63,150 00 

375,170 00 

100,800 00 

10 00 

38,059 82 

12,302 57 

7,858 11 

250 00 



614,600 50 






QUINCY MUTUAL FIRE INSURANCE CO. 



69 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Rents, salaries and incidental expenses, . 

Gross liabilities, .... 

Net cash assets, 



$2,000 00 

5,755 69 

247,997 92 

7,500 00 

2,096 00 



. §265,349 61 
■ $349,250 89 



Income. 

Cash premiums received during the year, 
Received for interest on mortgages, 

for interest from all other sources, 
for rents, ..... 
from all other sources, 

Gross cash income, .... 



$147,124 16 

3,800 11 

22,149 02 

539 52 

339 04 

$173,951 85 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries aud fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, . . 

Gross cash expenditures, 



M5,707 92 

23,294 71 

12,022 97 

2,849 07 

70,009 25 

7,313 89 



$161,197 81 



Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31, 1892, $32,588,588 00 $477,131 52 
Risks written during 1893, . 10,109,924 00 149,702 85 



Conting't Prem's. 

$477,131 52 
149,702 85 



Total, f 42,698,51 2 00 $ 626,834 37. 

Risks terminated during 1893, . 9,005,381 00 130,780 08 



In force at end of year, . . $33,693,131 00 $496,054 29 
Deduct amount reinsured, ' . 5,500 00 58 45 



$626,834 37 
130,780 08 

$496,054 29 
58 45 



Net amount in force, . .$33,687,63100 $495,995 84 $495,995 84 

Losses incurred during the year, $48,988 61 

Percentage of profits or surplus returned during 1893, 25, 50, 70 per cent. 



70 



RUBBER MANUFACTURERS MUTUAL INSURANCE CO. 



RUBBER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

BOSTON. 

[Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885.] 
E. S. CONVERSE, President. B. F. TAFT, Secretary. 

Office, No. 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

Fitchburg Railroad bonds, .... $5,000 00 

Boston & Lowell Railroad bonds, . . . 10,000 00 

Maine Central Railroad bonds, . . . 4,000 00 

Ticonderoga Pulp and Paper Co. bonds, . . 5,000 00 

New York & New England Railroad bonds, . 8,000 00 

Metropolitan Railroad bonds, .... 1,000 00 

Boston Consolidated Street Railroad bonds, . 12,000 00 

Middlesex Railroad bonds 1,000 00 

Cambridge Street Railroad bonds, . . . 1,000 00 

Cheshire Railroad bonds, 4,000 00 

Maiden Electric Company bonds, . . . 5,000 00 

General Electric Company bonds, . . . 1,000 00 

50 shares General Electric Company, . . 5,000 00 

50 shares National Tube Works Company, . 5,000 00 

Corporation notes, 81,250 00 



Market Valne. 

$5,200 00 

10,000 00 
3,880 00 
5,000 00 
8,800 00 
1,030 00 

12,060 00 
1,010 00 
1,000 00 
4,200 00 
5,000 00 
670 00 
4,000 00 
2,900 00 

81,250 00 



$118,250 00 $146,000 00 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due aud accrued, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Due for borrowed money, ... 

Taxes accrued, 

Gross liabilities, 



31, 1893. 

$146,000 00 

2,826 44 

4,091 92 

10,640 63 

2,628 75 



20,860 85 

82,854 27 

20,000 00 

307 82 



$166,187 74 



124,022 94 



Net cash assets, $42,164 80 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 



$172,366 64 
9,869 87 

£162,496 77 



SALEM MUTUAL FIRE INSURANCE CO. 



7L 



Received for interest from all other sources, . 
Received from all other sources, .... 

Gross cash income, 

Expenditures. 

Paid for losses during the year, 

for salaries and fees of officers and employees, 

for State and local taxes, 

for inspections, 

for profits or surplus on terminated policies, . 
for joint office expenses, ..... 



Gross cash expenditures, . . 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, 815,193,043 00 
Risks written during 1893, . 19,842,879 00 



Total, $35,035,922 00 

Risks terminated during 1893, . 17,145,946 00 



In force at end of year, . . 817,889,976 00 
Losses incurred during the year, 



$8,206 77 
1,925 58 

$172,629 12 



106,262 50 
7,093 58 
1,820 41 
6,505 17 
80,831 29 
5,199 57 



. $207,712 52 



Cash Prem's. Conting't Prem's. 

$152,295 10 $761,475 50 
197,846 20 989,231 00 



$350,141 30 fl,750,706 50 
184,432 77 922,163 85 



$165,708 53 $828,542 65 
. $ 110,815 58 



SALEM MUTUAL FrRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 
SAMUEL A. POTTER, President. HOWARD 8. PORTER, Secretary. 

Amount of permanent fund, $52,580 66 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Toledo (Ohio) city bonds, .... f 2,000 00 $2,030 00 

Keene (N. H.) city bonds 1,000 00 1,050 00 

Boston & Maine Railroad bonds, . . . 2,000 00 1,985 00 

Fitchburg Railroad bonds, .... 4,000 00 4,085 00 

Boston & Lowell Railroad bonds, . . . 3,000 00 3,020 00 

Omaha city bonds, 1,000 00 1,000 00 

Cook County bonds, 1,000 00 1,000 00 

Haverhill city bonds, 3,000 00 3,015 00 

Chicago city bonds, 1,000 00 1,000 00 

Old Colony Railroad bonds, . 1,000 00 1,060 00 

20 shares Salem National Bank, . . . 2,000 00 2,500 00 

14 " Asiatic National Bank, Salem,. . 420 00 420 00 

5 " Exchange National Bank, Salem, . 500 00 525 00 



72 



SALEM MUTUAL FIRE INSURANCE CO. 



15 shares Salem Gas Light Company, 
9 shares Boston & Maine Railroad, 
Cincinnati (111.) city bonds, 
Springfield city bonds, 
Springfield (Ohio) city bonds, . 



Summary of Assets Dec 

Cash value of unencumbered real estate. 

Loans on mortgage of real estate (first liens), 

Stocks, bonds, etc., as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Premiums in course of collection (gross) 

Interest due and accrued, 

Rents due, 

Gross assets, .... 



Par Value. 


Market Value. 


$1,500 00 


$1,275 00 


900 00 


1,240 00 


1,000 00 


1,220 00 


1,000 00 


1,250 00 


1,150 00 


1,220 00 


$27,470 00 


$28,895 00 


31, 1893. 




$10,000 00 




31,450 00 




28,895 00 




350 84 




217 59 




1,592 91 




1,727 06 




40 00 






$74,303 40 



Liabilities 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, 
Gross liabilities, 



!Net cash assets, 





$3,250 00 






900 00 




s, 


15,166 94 

19 82 

703 88 

222 55 

917 15 


21,180 34 








$53,123 06 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 



$16,232 12 
650 92 



Net cash premiums received, $15,581 20 

Received for interest on mortgages, 1,623 95 

for interest from all other sources, .... 1,216 91 

for rents, 455 01 

Gross cash income, $18,877 07 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for interest on borrowed money, 



$9,2-:- 

2,357 98 

1.742 80 

12 00 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE CO. 73 

Paid for State and local taxes, 

for rents,. 

for profits or surplus on terminated policies, . 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1892, $1,495,372 56 $22,049 53 $22,049 53 
Risks written during 1893, . 1,102,057 68 16,049 04 16,049 04 



$234 07 


225 


00 


3,458 74 


681 


26 


$17,940 


39 



Total, $2,597,430 24 $38,098 57 $38,098 57 

Risks terminated during 1893, . 602,362 89 7,764 59 7,764 59 



In force at end of year, . . $1,995,067 35 $30,333 98 $30,333 98 

Losses incurred during the year, $13,378 54 

Percentage of profits or surplus returned during 1893, 48| per cent. 
Average rate to date, 40 per cent. 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 18, 1855. Commenced business June 13, 1855.] 
GEORGE F. BAGLEY, President. CHARLES L. ALLEN", Secretary. 

Summary of Assets Dec. 31, 1893. 
Cash in the office of the company, . . . $88 44 

Cash deposited in savings bank, . . . 390 00 

Safe, $100 00 

Gross assets, $178 44 

Liabilities. 
Unearned premiums on ou! standing risks, . $1,034 88 

Gross liabilities, 1,034 88 



Balance against the company, $556 44 

Income. 
Cash premiums received during the year, .... 
Deduct return premiums, 

Net cash premiums received, 

Received for interest from all sources, 

Gross cash income, . . . , . , , . , . $305 48 



$323 34 
34 54 


$288 80 
16 68 



74 



SAUGUS MUTUAL FIRE INSURANCE CO. 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for state and local taxes, 

for incidental expenses, 



Gross cash expenditures, . 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 



Miscellaneous. 

Amount. 

$255,687 00 
39,049 00 



Total, 

Risks terminated during 1893, . 

In force at end of year, 

Losses incurred during the year, 



$294,736 00 
47,175 00 



Cash Prem'8. 

82,137 03 
323 31 



$2,460 37 
890 60 



$247,561 00 $2,069 77 



$129 


75 


156 


00 


2 


74 


50 


09 



$338 58 



Conting't Prem'8. 

$21,370 30 
3,233 40 

$21,603 70 
3,906 00 



$20,697 70 
$129 75 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 

HERBERT B. NEWHALL, President. WILBUR F. NEWHALL, Secretary. 

[Note. — This company insures nothing but dwellings, farm buildings and their contents, in 
Lynn, Saugus, Lynnfield, Swampscott and Nahant. No cash premiums are taken; but assess 
ments are made on deposit notes to pay losses and expenses. All policies are issued for a term 
of three years.] 

Summary of Assets Dec. 31, 1893. 

Cash in the office of the company, . . . $478 36 

Unpaid assessments, 312 00 

Gross assets, 



Income. 

Received from assessm'ts on dep. notes or contingent preni's, 

Borrowed money, 

Received from policy fees, 

Gross cash income, 



Expenditures. 
Paid for losses during the vear, .... 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, . 

for rents, .... 
Borrowed money repaid, . 
Paid for incidental expenses, . 



Gross cash expenditures,- 



$790 36 



$3,484 50 


1,200 00 


579 00 


$5,263 50 


$1,317 86 


1,400 00 


56 22 


37 07 


150 00 


1,900 00 


151 95 



>5,013 10 



SOUTH DANVERS MUTUAL FIRE INSURANCE CO. 



75 



Miscellaneous 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 

Total, .... 

Risks terminated during 1893, . 

In force at end of }'ear, . 

Losses incurred during the year, 
Assessments laid on deposit notes or 



Amount. Oonting't Prem's. 

>,945,800 00 $364,189 00 
989,325 00 123,007 00 



^3,935,125 00 $187,196 00 
1,003,450 00 124,066 00 



$2,931,675 00 $363,130 00 
$1,317 86 



contingent premiums, . 



3,678 40 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated June 12, 1829. Commenced business Aug. 1, 1829.] 
WILLIAM P. CLARK, President. GEORGE M. FOSTER, Secretary. 

Amount of permanent fund, $54,125 18 



Detailed Statement of Stocks, 

111 shares South DanversNat 1 ! Bank, Peabody, 
48 
51 
20 
18 
12 
34 
30 

8 

1 
10 
20 
20 



Warren National Bank, Peabody, . 
Asiatic National Bank, Salem, 
Naumkeag National Bank, Salem, . 
National Exchange Bank, Salem, . 
First National Bank, Salem, . 
First National Bank, Danvers, 
Hide & Leather Natl Bank, Boston, 
Anclover National Bank, Andover, . 
Cape Ann Natl Bank, Gloucester, . 
Manufacturers' Natl Bank, Boston, 
Naumkeag Steam Cotton Company, 
Androscoggin Mills, 

Cincinnati city bonds, .... 

Eastern Railroad bonds, .... 

Ogdensburg & Lake Chaniplain R.R. bonds, 

Wakefield Water Company bonds, . 

Providence city bonds, .... 

Pittsfield city bonds, 



Bonds, etc. 

Par Value. 

$11,100 00 
4,800 00 
1,530 00 
2,000 00 
1,800 00 
1,200 00 
2,550 00 
3,000 00 
800 00 
100 00 
1,000 00 
2,000 00 
2,000 00 
2,000 00 
2,000 00 
3,000 00 
2,000 00 
7,000 00 
2,000 00 



Market Value. 

$12,876 00 
5,460 00 
1,466 25 
2,480 00 
1,917 00 
1,320 00 
2,711 50 
3,165 00 
880 00 
140 00 
1,000 00 
2,095 00 
2,710 00 
2,400 00 
2,350 00 
3,120 00 
1,700 00 
7,420 00 
2,000 00 



$51,880 00 $57,210 75 



Summary of Assets Dec. 31, 1893. 

Stocks, bonds, etc., as per schedule, . . . $57,210 75 
Cash in the office of the company, . . . 229 00 

Cash deposited in bank, ..... 7,468 63 



76 



SOUTH DANYERS MUTUAL FIRE IN8URANCE CO. 



Premiums in course of collection (gross), 

Interest due, 

Gross assets, 



$40 00 
494 66 



$65,443 04 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated j:>olicies, . 

Salaries, 

Gross liabilities, ...... 



Net cash assets, 



|16 




300 00 




12,319 82 




827 60 




349 00 






13,813 39 






151,629 65 



Inxome. 

Cash premiums received during the year, 
Deduct return premiums, 

Xet cash premiums received, . 
Received for interest from all sources, . 
Received from policy fees, 



Gross cash income, 



$3,894 22 
290 25 



$3,603 97 

2,855 35 

122 00 



-1 32 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$495 66 

1,421 00 

38 01 

1 95 

568 20 



$5,804 82 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $1,132,500 50 
Risks written during 1893, . 177,595 00 



In force at end of year, . . $1,152,200 50 



Cash Prem's. Conting't Prem"s. 

824,329 90 $72,989 70 



3,894 22 



Total, $1,310,095 50 $28,224 12 

Risks terminated during 1893, . 157,895 00 3,584 47 



11,682 66 

$84,672 36 
">3 41 



$24,639 65 $73,918 95 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 100 per cent 



TRADERS AXD MECHANICS MUTUAL FIRE INSURANCE CO. 



77 



TRADERS 1 AND MECHANICS' MUTUAL FIRE INSURANCE 
COMPANY, LOWELL. 

[Incorporated June, 1843. Commenced business June, 1S48.] 
LEVI SPRAGUE, President. EDWARD M. TLX'KE, Secretary. 



Amount of permanent fund, 



Detailed Statement of Stocks, 



20 shares Androscoggin Mills, 

4 ' ; Boott Cotton Mills, . 

2 " Hamilton Manufacturing Company 
50 " Lawrence Gas Company, 
226 " Lowell Gas Company, . 

5 " Lowell Manufacturing Company, 
8 " Massachusetts Cotton Mills, . 

10 " Merrimack Manufacturing Co., 
15 " Middlesex Company, 
38 " Tremont & Suffolk Mills, 
30 " Old Lowell National Bank, . 
20 " National Bank of North America, 
25 " Vermont & Mass. Railroad, . 
East Middlesex Street Railway bonds, 
Boston United Gas Company bonds, 
Swift Company bonds, .... 
Lowell & Suburban Street Railway bonds, 
Erie Telegraph & Telephone Company bonds 
Corporation notes, 



Securities held as collateral for cash loans: — 

1 share Appleton Company, . 

Atchison, Topeka & Santa Fe Railroad bonds 

Bay State Gas Company bonds, 
65 shares American Bolt Company, 

100 u Lowell & Suburban Street R'way 

125 " Thorndike Manufacturing Co., 
1 " Massachusetts Cotton Mills, . 
1 " Hamilton Manufacturing Company 
6 " Vermont & Massachusetts Railroad 
6 " Erie Telegraph & Telephone Co. 
30 " Lowell Gas Light Company, . 

Lexington water bonds, .... 



Bonds, etc. 

Par Value. 

*2,000 00 

4,000 00 

2,000 00 

5,000 00 

22,600 00 

3,450 00 

8,000 00 

10,000 00 

1,500 00 

3,800 00 

3,000 00 

2,000 00 

2,500 00 

10,000 00 

20,000 00 

5,000 00 

20,000 00 

20,000 00 

85,000 00 



§110,098 69 



Market Value. 

$2,710 00 

4,800 00 

1,810 00 

6,500 00 

56,500 00 

2,825 00 

7,920 00 

10,150 00 

1,875 00 

4,750 00 

3,750 00 

2,100 00 

3,500 00 

10,500 00 

15,600 00 

5,150 00 

20,000 00 

20,000 00 

85,000 00 



§229,850 00 §265,440 00 



Market Value. 

§600 00 

1,700 00 

2,320 00 

5,625 00 

11,000 00 

12,500 00 

990 00 

900 00 

840 00 

270 00 

7,500 00 

2,000 00 



Loaned Thereon. 

§200 00 
4,000 00 

5,200 00 

10,000 00 

2,000 00 

1,500 00 

750 00 

250 00 

4,000 00 

2,000 00 



§16,245 00 §29,900 00 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens), f 227,6 14 00 
Stocks, bonds, etc., as per schedule, . . 265,410 00 



78 traders' and mechanics' mutual FIRE INSURANCE CO. 



Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, .... 



$29,900 00 
93,125 00 
923 53 
17,253 85 
12,984 60 
10,106 90 



• 8501 00 

287,687 40 

1,560 00 



8657,347 88 



289,748 40 



Net cash assets, 8367,599 48 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 



8171,999 95 
5,583 07 

8166,416 88 
11,289 71 
23,953 57 



Gross cash income, 8201,660 16 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$93,097 83 

24,812 64 

11,380 00 

1,942 08 

1,600 00 

70,111 81 

6,005 88 

8208,950 24 



Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31,1892, $35,395,952 00 $536,605 61 

Risks written during 1893, . 11,347,874 00 174,384 97 



Total, .... 846,743,826 00 8710,990 58 

Risks terminated during 1893, 8,908,166 00 135,615 77 



In force at end of year, . . $37,835,660 00 8575,374 81 



Conting't Prem's. 

$536,605 61 
174,384 97 

$7 10,990 58 
135,615 77 

8575,374 81 
891,251 06 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 30, 50, 70 per cent. 



WACHUSETT MUTUAL FIRE INSURANCE CO. 



79 



WACHUSETT MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

[Incorporated May 8, 1891. Commenced business July 15, 1891.] 
HENRY A. GOODRICH, President. FREDERICK A. CURRIER, Secretary. 

Summary of Assets Dec. 31, 1893. 
Cash deposited in bank, $6,137 99 



Premiums in course of collection (gross), 

Interest accrued, 

Rents accrued, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Incidental expenses, 

Gross liabilities, .... 

Balance against the company, . 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, . 
Received for rents, 



5,944 27 
284 00 
113 75 



$5,501 01 

2,000 00 

1,900 00 

23,697 83 

215 36 

888 66 

200 00 



$12,480 01 



34,402 86 



$21,922 85 



$47,009 68 
7,880 93 

$39,128 75 
146 50 
176 25 



Gross cash income, $39,451 50 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 

for inspections, 

for incidental expenses, 



$28,860 66 

6,650 62 

3,009 48 

493 62 

885 00 

1,467 22 

1,356 28 

2,042 76 



Gross cash expenditures, $44,765 64 



80 



WESTFORD MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1892, $1,888,773 00 
Risks written during 1893, . 2,803,671 00 



Total, $4,752,444 00 

Risks terminated daring 1893, . 1,949,422 00 



In force at end of year, 



Cash Prem's. Conting't Prem's. 

$29,188 59 $29,188 59 
46,761 05 46,761 05 



$75,949 64 
28,553 97 



$2,803,022 00 $17,395 67 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1893, 10 per cent. 
Average rate to date, 10 per cent. 



$75,949 64 
28,553 97 

$47,395 07 

7,261 67 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, WESTFORD. 

[Incorporated March 16, 1840. Commenced bueineeB July, 1840.] 
ALLAN CAMERON, President. J. HENRY READ, Secretary. 

Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens), 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in savings banks, 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



$2,635 


04 


55 00 


463 


30 


5,154 


75 


593 


65 


372 44 



Liabilities. 
Unearned premiums on outstanding risks, 
Salaries and incidental expenses, 

Taxes accrued, 

Gross liabilities, .... 



Net cash assets, 



$1,341 06 

37 75 

7 57 



Income. 
Cash premiums received during the year, 
Received for interest on ruort°-ap-es, 
Received for interest from all other sources, . 

Gross cash income, 

Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for profits or surplus on terminated policies, . 

Gross cash expenditures, 



$9,274 18 



1,386 38 



$7,887 


80 


$593 65 


134 


66 


237 


78 



$966 09 



$153 00 


10 00 


7 57 


27 75 



§198 32 



WEST NEWBURY MUTUAL FIRE INSURANCE CO. 



81 



Miscellaneous. 



Risks outstanding Dec 31,1892, 
Risks written during 1893, 

Total 

Risks terminated during 1893, . 

In force at end of year, . 
Losses incurred during the year, 



Amount. 

$321,610 00 
68,050 00 


Cash Prem's. C 

$2,733 28 
593 65 

$3,326 93 
644 80 

$2,682 13 


onting't Prem's. 

$8,199 84 
1,780 95 


$389,660 00 
73,250 00 


$9,980 79 
1,934 40 


$316,410 00 


$8,046 39 
$153 00 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated March, 1828. Commenced business April, 1828.] 

WILLIAM MERRILL, President. HENRY T. BAILEY, Secretary. 

[Note. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1893. 



Cash deposited in banks, . 


. 


$1,341 29 




Office furniture, 


. $100 00 






Gross assets, 






$1,341 29 


Liabilities. 




Losses adjusted, unpaid, . 


. . . 


$3,299 25 




Due for borrowed money, 


. 


2,300 00 




Rents, salaries and incidental 


expenses, . 


315 00 




Gross liabilities, 






$5,914 25 


Income. 




Received from assessments on dep. notes or contin 


g't prem's, 


$6,572 69 


Received from policy fees, 


. 


. 


291 50 



GrqjB cash income, 

Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, • . 
for salaries and fees of officers and employees, 
for interest on borrowed money, 

for State and local taxes, 

for rents, 

for borrowed money repaid, .... 
for incidental expenses, 

Gross cash expenditures, 



$6,864 19 





$1,835 21 




266 11 




362 75 




234 59 




66 70 




17 00 




500 00 




53 64 



$6,336 00 



82 WORCESTER MANUFACTURERS' MUTUAL INSURANCE CO. 



Miscellaneous 



Risks outstanding Dec. 31, 1892, 
Risks written during 1893, 

Total, 

Risks terminated during 1893, . 

In force at end of year, . 



Amount. Conting"t l'rem'i. 

$2,668,399 00 $148,541 78 
350,361 00 21,037 86 



$3,018,760 00 f 169,579 64 
412,690 00 24,761 40 



$2,606,070 00 f 144,818 24 



Losses incurred during the year, f 7,334 46 

Assessments laid on deposit notes or contingent premiums, . 6,660 00 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 
GEORGE M. RICE, President. SAMUEL R. BARTON, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Boston & Lowell Railroad bonds, . . . $20,000 00 $2u,000 00 

Fitchburg Railroad bonds, .... 15,000 00 15,300 00 

Old Colony Railroad bonds, .... 45,000 00 44,800 00 

Providence & Worcester Railroad bonds, . 13,000 00 13,520 00 

Chicago, Burl. & Quincy Railroad bonds, . 25,000 00 21,750 00 

Chicago & Eastern Illinois Railroad bonds, . 15,000 00 17,700 00 

Worcester Consolidated Street R.R. bonds, . 14,000 00 14,<>00 00 

60 shares City National Bank, Worcester, . 6,000 00 8,520 00 

Concord & Montreal Railroad bonds, . . 20,000 00 20,000 00 

Corporation notes, 35,000 00 35,000 00 

Old Colony Steamboat Company bonds, . . 15,000 00 15,450 00 

§223,000 00 $226,040 00 



Summary of Assets Dec. 31, 1893. 

Stocks, bonds, etc., as per schedule, . . . $226,040 00 

Cash in the office of the company, . . . 340 95 

Cash deposited in bank, 27,508 03 

Gross assets, ...... 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, .... 

Net cash assets, 



$145 39 
122,122 64 

381 68 



$253,888 98 



122,649 71 
$131,239 27 



WORCESTER MUTUAL FIRE INSURANCE CO. 83 



Income. 

Cash premiums received during the year, .... $249,203 25 
Deduct return premiums, ........ 7,937 71 



Net cash premiums received, $241,265 54 

Received for interest from all sources, 12,254 78 



Gross cash income, $253,520 32 

Expenditures. 



Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for premiums on investments, .... 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 

for inspections, 

for incidental expenses, 



$70,722 94 

6,907 87 

202 73 

2,409 33 

900 00 

181,873 84 

4,216 92 

1,230 40 



Gross cash expenditures, $268,464 03 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1892, $27,031,635 00 $230,880 29 $1,144,620 40 
Risks written during 1893, . 29,876,275 00 249,203 25 1,246,016 25 



Total, .... $56,907,910 00 $480,083 54 §2,390,636 65 

Risks terminated during 1893, . 27,981,265 00 235,838 26 1,169,410 25 



In force at end of year, . . $28,926,645 00 §244,245 28 $1,221,226 40 

Losses incurred during the year, $70,346 49 

Percentage of profits or surplus returned during 1893, 79JVO percent. 
Average rate to date, 70 I 7 o 1 ( ) - per cent. 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated Feb. 11, 1823. Commenced business May 1, 1824.] 
JOHN A. FAYERWEATHER, President. ROGER F. UPHAM, Secretary. 

Amount of permanent fund, Dec. 31, 1892, .... $380,17467 
Increase during the year, . 2,810 62 



Permanent fund Dec. 31 1893, $382,985 29 



84 



WORCESTER MUTUAL FIRE INSURANCE CO. 



Detailed Statement of Stocks, Bonds, etc. 



170 shares Worcester National Bank, 
22 " Central National Bank, . 
50 " Citizens' National Bank, 

200 " City National Bank, 
58 " Mechanics 1 National Bank, 
45 " Quinsigamond National Bank, 
40 " Fitchburg National Bank, 
15 " Southbridge National Bank, 
20 " Oxford National Bank, . 
15 " Blackstone National Bank, 
20 " Westborough National Bank, 
25 " Wachusett National Bank, 

Boston & Maine Railroad bonds, 

Cincinnati, Hamilton & Dayton R.R. bonds, 

Union Pacific Railroad bonds, . 

Fitchburg Railroad bonds, 

Cheshire Railroad bonds, . 

Worcester, Nashua & Rochester R.R. bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Worcester Consolidated Street R'y bonds, 

West End Street Railway bonds, 



Par Value. 

$17,000 00 
2,200 00 
5,000 00 

20,000 00 
5,800 00 
4,500 00 
4,000 00 
1,500 0C 
2,000 00 
1,500 00 
2,000 00 
2,500 00 

15,000 00 

12,000 00 
5,000 00 

25,000 00 
7,000 00 
5,000 00 
6,000 00 
5,000 00 
5,000 00 



Market Value. 

821,650 00 
3,190 00 
6,250 00 

29,000 00 
5,800 00 
5,625 00 
6,000 00 
1,725 00 
2,000 00 
1,500 00 
2,200 00 
5,000 00 

15,275 00 

12,000 00 
5,000 00 

25,000 00 
7,350 00 
5,000 00 
3,420 00 
5,000 00 
5,000 00 



Securities held as collateral for cash loans : — 



16 shares Boston & Albany R.R stock, 

Savings bank books assigned, . 

60 shares Howard Bros.' Manuf. Co., 

15 " Worcester Gas Light Co., 

50 " Worcester Corset Co., 

42 " Richardson Manuf. Co., . 



$153,000 00 $175,985 00 



Market Value. Loaned Thereon. 



83,200 00 
1,153 37 
6,000 00 
2,400 00 
5,000 00 
4,200 00 



M,800 00 
600 00 
5,000 00 
1,500 00 
2,560 00 
2,000 00 



821,953 37 fl3,460 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



885,000 00 

349,899 00 

175,985 00 

13,460 00 

13,200 00 

13,035 31 

10,565 61 

8,886 56 



8670,031 48 



WORCESTER MUTUAL FIRE INSURANCE CO. 



85 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, . 
Commissions and brokerage, . 

Gross liabilities, .... 



$4,000 00 

278,745 62 

294 71 

2,447 11 

1,558 75 



$287,046 19 



Net cash assets, $382,985 29 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for rents, 



$146,064 69 
5,125 13 

$140,939 56 

26,196 84 

6,618 88 



Gross cash income, $173,755 28 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 

Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31,1892, $37,223,915 00 $545,471 24 
Risks written during 1893, . 10,180,065 00 144,954 19 



$40,945 89 

19,516 50 

12,791 19 

4,130 91 

81,417 52 

3,923 61 

$162,725 62 



Conting't Prem's. 

$545,471 24 
144,954 19 



Total, $47,403,980 00 $690,425 43 

Risks terminated during 1893, . 9,266,149 00 132,934 19 



$690,425 43 
132,934 19 



In force at end of year, 



. $38,137,831 00 $557,491 24 $557,491 24 



Losses incurred during the year, $42,262 82 

Percentage of profits or surplus returned during 1893, 70, 50 per cent. 



AGGREGATE. 



Guaranty capital, . 
Gross present assets, 



Assets. 



Liabilities. 
Gross present liabilities, .... 

Income. 
Cash received for premiums during the year, 
for interest and dividends, 
for assessment on deposit notes, 
for rents, .... 
from all other sources, . 

Gross cash income, .... 



Expenditures. 

Cash paid for losses, 

for brokerage and commission on premiums, 
for salaries and fees of officers and employees, 
for interest on borrowed money, 
for State and local taxes, 

for rents, 

for return of profits or surplus, . 
for dividends on guaranty capital, 
for all other expenditures, . 



Total expenditures, 

General Items. 
Eisks written during the year, .... 
terminated during the year, 
outstanding at end of year, 
Amount of contingent premiums received thereon, 
of losses incurred during the year, 
of permanent fund, .... 



$300,000 00 

$10,258,353 00 

$5,290,303 00 



$5,009,527 00 

438,729 00 

38,672 00 

28,163 00 

10,211 00 



§5,525,332 00 



$1,886,485 00 

342,358 00 

264,039 00 

1,010 00 

60,747 00 

21,010 00 

2,699,947 00 

18,000 00 

179,317 00 



85,472,913 00 



8515,034,903 00 

444,011,723 00 

819,245,714 00 

22,831,121 00 

2,121,325 00 

4,189,113 00 



MASSACHUSETTS 

MUTUAL MARINE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1893. 



88 



CHINA MUTUAL INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.] 
EDMUND A. POOLE, President. WILLIAM H. LORD, Secretary. 

Office, No. 70 Kilby Street. 



Detailed Statement of Stocks 



100 shares Atlas National Bank, 

90 " Columbian National Bank, 

100 " Commerce National Bank, 

100 " Continental National Bank, . 

100 " Hide and Leather National Bank, 

100 " New England National Bank, 

100 " North National Bank, . 

100 " Republic National Bank, 

35 " Old Boston National Bank, 

63 " Tremont National Bank, 

200 " Boston & Lowell Railroad, 

75 " Old Colony Railroad, 

100 " Fitchburg Railroad, 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Loan on collateral security, 
Cash deposited in bank, . ... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Re-insurance and salvage, 

Gross assets, 



and Bonds. 

Par Value. 

810,000 00 

9,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

3,5^0 00 

6,300 00 

20,000 00 

7,500 00 

10,000 00 



Market Value. 
$11,550 00 

9,000 00 
11,600 00 
11,400 00 
10,600 00 
16,000 00 
10,900 00 
14,700 00 

3,400 00 

5,540 00 
36,800 00 
12,750 00 

7,250 00 



§126,300 00 §161,490 00 

31, 1893. 

8161,490 00 

2,500 00 
11,606 20 
30,281 37 
41,405 15 

8,400 00 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



$72,905 00 
8,664 00 



3255,682 72 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 



$64,241 00 

76,640 59 

60 00 



CHINA MUTUAL INSURANCE CO. 



89 



Interest due or accrued on scrip, 
Commissions, brokerage, etc., .... 
Gross liabilities, except scrip, . 

Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 

Impairment of scrip reserve, 



$600 00 
2,000 00 



$143,541 59 

$112,141 13 

506,090 00 

$393,948 87 



Income. 

Marine premiums outstanding Dec. 31, 1892, . $147,879 02 

Premiums on risks written or renewed, . . 245,682 98 

Total, $393,562 00 

Premiums now in course of collection, . . 74,686 52 

Entire premiums collected, .... $318,875 48 

Less re-insurance and return premiums, . . 44,230 87 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, 

Gross cash income, 



$274,644 61 
7,015 99 

$281,660 60 



Expenditures. 

Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$313,508 44 
37,256 70 



$276,251 74 

13,334 05 

17,980 00 

2,702 37 

10,124 53 



$320,392 69 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 



Risks and Premiums. 

Premiums. 

. $4,636,554 00 $175,250 93 
. 17,279,010 00 245,682 98 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$21,915,564 00 $420,933 91 
18,316,103 00 286,682 03 



>3,599,461 00 $134,251 88 
250,000 00 8,656 28 



. $3,349,461 00 $125,595 60 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 



$15,791,161 00 

. 11,303,591 00 

200,535 00 



MASSACHUSETTS 

JOINT-STOCK FIRE, MARINE, AND FIRE-MARINE 

INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1893. 



92 



AMERICAN INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced bueineBB 1818.] 

Taid-up Capital, $300,000. 

FRANCIS PEABODY, President. J. W. FIELD, Secretary. 

Office, No. 47 Kilby Street. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

222 shares Old Boston National Bank, . . $22,200 00 $21,534 00 

200 " Columbian National Bank, . . 20,000 00 20,000 00 

45 " National Eagle Bank, . . . 4,500 00 3,825 00 

170 " Globe National Bank, . . . 17,000 00 15,300 00 

142 " Hamilton National Bank, . . 14,200 00 15,620 00 

62 " New England National Bank, . 6,200 00 9,920 00 

100 " Suffolk National Bank, . . . 10,000 00 9,500 00 

152 " State National Bank, . . . 15,200 00 16,302 00 

280 " National Union Bank, . . . 28,000 00 35,000 00 

100 " Merchants 1 National Bank, . . 10,000 00 14,825 00 

56 " Tremont National Bank, . . 5,600 00 4,928 00 

69 " Washington National Bank, . . 6,900 00 6,969 00 

578 "- Boston & Albany Railroad, . . 57,800 00 115,600 00 

13 " Boston & Lowell Railroad, . . 6,500 00 11,960 00 

200 " Old Colony Railroad, . . . 20,000 00 34,000 00 

8 " Merrimack Manufacturing Co., . 8,000 00 8,120 00 

Chicago, Burlington & Quincy Railroad bonds, 50,000 00 44,000 00 

Eastern Railroad bonds, 20,000 00 21,989 80 

Chicago, Milwaukee & St. Paul R.R. bonds, . 25,000 00 28,750 00 

Cincinnati, Ind., St. Louis & Chic. R.R. bonds, 40,000 00 36,800 00 

Securities held as collateral for cash loans : — 
120 shares General Electric Company, . 



100 " West End Land Company, 
38 " Chicago Junction Railway and 

Union Stock Yards Company, 
50 " American Su^ar Refinery Co., 
50 " West End Street Railway, 

Chesapeake & Ohio Railroad bonds, 

Mexican Central Railroad bonds, 

Edison Electric Illuminating Company bonds, 

200 shares Essex Building Company, 



$387,100 00 $474,942 80 

Market Value. Loaned Thereon. 

$3,960 OO^j 
1,100 00 

3,420 00 J 

4,000 00 )> $15,000 00 
2,400 00 
1,400 00 
980 00 
1,100 00 J 
20,000 00 



15,000 00 



$38,360 00 $30,000 00 



AMERICAN INSURANCE CO. 



93 



Summary of Assets Dec. 31, 1896. 

Stocks and bonds, as per schedule, . . . $474,942 80 

Loans on collateral security, as per schedule, . 30,000 00 

Cash in the office of the company, . . . 4,465 95 

Cash deposited in bank, 16,785 25 

Interest due and accrued, 2,898 62 

Premiums in course of collection (gross), . 47,383 16 

Notes taken for marine and inland risks, . 2,673 75 

Extra premiums due, . . . . 298 76 
Premiums more than 3 months due, $2,181.25 

Gross assets, 



79,448 29 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc , 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$13,091 69 

27,759 99 

3,550 00 

§44,401 68 
740 35 

$43,661 33 

228,055 09 

93 00 

1,327 82 

21,362 07 

616 40 



295,115 71 

$284,332 58 
300,000 00 



Impairment of capital, 



$15,667 42 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 



Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



$57,993 50 
1,454 68 

$56,538 82 
388,057 52 



$444,596 34 
48,109 73 



$396,486 61 
73,422 15 



$323,064 46 



94 



AMERICAN INSURANCE CO. 



Marine premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash marine premiums received, 
Interest and dividends received from all 
Income from additional premiums, . 



Gross cash income, 



$5,532 96 
275 00 

$5,257 96 
3,315 50 

$8,573 46 
2,398 75 

$6,174 71 
952 50 



sources, 



$5,222 21 

23,935 93 

9,145 93 



$361,368 53 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



$248,116 00 
12,988 44 

$11,400 27 
74 77 



Gross cash expenditures, $392,406 49 



$235,127 56 



11,325 50 
8,907 00 

78,291 23 

28,970 11 
8,618 35 

21,166 74 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . , 



$42,613,117 00 
33,158,391 00 



Premiums. 

$487,834 59 
388,057 52 



$75,771,508 00 
34,940,097 00 



$875,892 11 
394,998 85 



$40,931,411 00 
2,495,764 00 



$480,893 26 
28,931 08 



$38,335,647 00 

695,455 00 

86,700 00 



8451,962 18 

12,848 32 

3,315 50 



$782,155 00 
699,655 00 



$16,163 82 
12,751 57 



$82,500 00 
3,500 00 



$3,412 25 
156 25 



$79,000 00 $3,256 00 



BOSTON MARINE INSURANCE CO. 



05 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (3 per cent.), . 

Company's stock owned by directors, 



$11,123,712 00 

7,736,687 00 

240,933 00 

9,625 00 

2,752,500 00 

9,000 00 

22,400 00 



BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874.] 
Paid-up Capital, $1,000,000. 
RANSOM B. FULLER, President. THOMAS H. LORD, Secretary. 

Office, No. 1 7 State Street. 



Detailed Statement of Stocks and Bonds. 



Boston city bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Oregon Short Line Railroad bonds, 

Louisville, Evansville & St. Louis R.R. bonds 

Fitchburg Railroad bonds, 

Wisconsin Central Railroad bonds, . 

Union Pacific, Lincoln & Col. Railroad bonds. 

Atch , Topeka & Santa Fe Railroad bonds, 

Toledo, St. Louis & Kansas City R.R. bonds, 

Brookline Gas Light Company bonds, 

Fall River city bonds, 

Newton city bonds, .... 

West Shore Railroad bonds, 

Boston & Lowell Railroad bonds, 

Ore. Shore Line & Utah Northern R.R. stock, 

Chicago, Burlington & Quincy Railroad stock, 

Iron Railway Company stock, 

Toledo, St. Louis & Kansas City R.R. stock, 

Manchester Mills stock, . 

Boston & Albany Railroad stock, 

Boston & Lowell Railroad stock, 

Fitchburg Railroad stock, 

Pullman Palace Car Company, 

Atlantic Bank stock, 

Atlas Bank stock, 

Beverly Bank stock, . 



Par Value. 

$125,000 00 
41,000 00 
10,000 00 

2,000 00 
25,000 00 
20,000 00 
25,000 00 
125,000 00 
' 20,000 00 
25,000 00 

1,000 00 
25,000 00 

5,000 00 
25,000 00 

5,000 00 
54,000 00 
29,700 00 
53,000 00 
20,000 00 
20,000 00 
10,000 00 
25,000 00 
12,000 00 
10,000 00 
10,000 00 
13,000 00 



Market Value. 

$134,400 00 
40,590 00 

7,500 00 

2,055 00 
26,250 00 
14,000 00 
13,000 00 
64 250 00 
16,200 00 
24,875 00 

1,000 00 
26,000 00 

5,200 00 

25,000 00 

225 00 

40,635 00 

14,850 00 

5,300 00 
22,400 00 
40,050 00 
18,400 00 
18,000 00 
19,470 00 
11,750 00 
11,550 00 
19,532 50 



96 



BOSTON MARINE INSURANCE CO. 



Brookline Bank stock, 

Columbian Bank stock, 

Commercial Bank stock, . 

Continental Bank stock, . 

Eagle Bank stock, 

Eliot Bank stock, 

Exchange Bank stock, 

First Bank stock, 

First Bank, Salem, stock, 

Freeman's Bank stock, 

Globe Bank stock, 

Grand Bank, Marblehead, stock, 

Hamilton Bank stock, 

Hide and Leather Bank stock, 

Howard Bank stock, . 

Lincoln Bank stock, . 

Mercantile Bank, Salem, stock, 

Merchants' Bank stock, 

Merchants' Bank, Salem, stock, 

Kaurnkeag Bank, Salem, stock, 

Kew England Bank stock, 

Xorth Bank stock, 

Old Boston Bank stock, . 

Railroad Bank, Lowell, stock, 

Republic Bank stock, 

Revere Bank stock, . 

Second Bank stock, . 

State Bank stock, 

Suffolk Bank stock, . 

Tremont Bank stock, . . 

Winthrop Bank stock, 

Connecticut & Passumpsic R. R. stock, 



Par Value. 

$ 10,000 00 
12,000 00 
30,000 00 
10,000 00 
10,000 00 
25,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
1,700 00 
10,000 00 
11,000 00 
10,000 00 
16,600 00 
10,000 00 
10,200 00 
5,000 00 
10,000 00 
15,000 00 
10,000 00 
10,000 00 
5,000 00 
15,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
15,000 00 
5,000 00 



Market Value. 

1 12,025 00 

12,000 00 
*£00 00 
11,475 00 
9,500 00 
29,510 00 
11,350 00 
24,025 00 
11,000 00 
10,600 00 
13,500 00 
2,040 00 
11,000 00 
11,605 00 
10,000 00 
16,392 50 
12,125 00 
15,121 50 
6,200 00 
12,400 00 
24,000 00 
10,900 00 
9,900 00 
5,950 00 
22,087 50 
19,900 00 
36,200 00 
21,450 00 
9,425 00 
8,800 00 
17,400 00 
6,200 00 



$1,127,200 00 $1,085,354 00 



Securities held as collateral for cash loans : — 

800 shares Cobb Lime Company, 
Mexican Central Railroad bonds, 
Xew England Mortgage Security Company, 
60 shares American Fire Hose Mfg. Company 
10 shares Union Pacific Railroad Company, 

Kansas State bond, 

262 shares Manchester & Lawrence Railroad 

100 " American Bell Telephone Co., 

588 * Worcester, Nash. & Rochester R.R., 



Market Value 

$48,000 00 

2,425 00 

3,000 00 

3,000 00 

173 38 

500 00 

60,260 00 

18,400 00 

67,620 00 



8203,378 38 §147,100 00 



-oaned Thereon. 


$25,000 00 


5,000 00 


2,000 00 


300 00 


50,000 00 


11,000 00 


53,800 00 



BOSTON MARINE INSURANCE CO. 



97 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company and deposited 

in bank, 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



31, 1893. 

$31,740 78 

, 634,875 00 

3,753 25 

1,085,354 00 

147,100 00 

259,124 79 

3,571 41 

154,824 16 

471,420 98 



$258,365 00 
418,902 80 



1,791,764 37 



677,267 80 



. $2,114,496 57 
. 1,000,000 00 



Surplus over capital, .... 

Income. 

Marine premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 
Interest received on rnortp;ao;es, 
Interest and dividends received from all other 
Income from rents, 



,114,496 57 



Gross cash income. 



$684,324 66 
1,145,305 69 

$1,829,630 35 
626,245 14 

$1,203,385 21 
149,509 83 



sources, 



$1,053,875 38 

30,095 89 

69,160 49 

2,218 39 

$1,155,350 15 



Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 
Cash dividends paid, 



. $1,051,065 39 
103,326 47 

. $947,738 92 
100,000 00 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, . 



$1,525,000 00 
510,000 00 



98 



BOYLSTON INSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



$22,325 57 

58,250 03 

11,802 72 

61,616 69 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



..$12,002,078 00 
. 62,383,599 00 



. §74,445,677 00 
. 63,302,670 00 

.SI 1,143,007 00 
614,193 00 



11,196,733 93 



l'ren 

1,495 75 
1,145,305 69 

$1,935,801 44 
1,233,053 30 

$702,748 14 
31,206 68 



. * 10,528,8 14 00 $671,541 46 



Miscellaneous. 
Premiums received from organization of company. . 
Losses paid from organization of company, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
^Company's stock owned by directors, 



$22,318,160 00 

15,513,416 00 

1,154,392 00 

1,530,000 00 

100,000 00 

101,800 00 



BOYLSTON INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. S, 1873.] 

Paid-up Capital, $557,200. 

GEO. II. BALCH,* President. WASHINGTON GLOVER, Secretary. 

Office, No. 30 Kilby Street. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

es Merchants' National Bank, . . 825,000 00 |37,000 00 

State National Bank, . . . 20,000 00 21,400 00 

Republic National Bank, . . 30,000 00 44,100 00 

Columbian National Bank, . . 30,000 00 30,000 00 

Washington National Bank, . . 30,000 00 30,300 00 

Tremont National Bank, . . 20,000 00 19,000 00 

Revere National Bank, . . . 6,700 00 6,700 00 

New England National Bank, . 1,700 00 20 00 

Boston & Albany Railroad, . . 10,000 00 20,000 00 

Boston .& Providence Railroad, . 15,000 00 37,500 00 

Fitchburg Railroad, . . . 35,000 00 25,200 00 



250 shar 


200 


44 


300 


44 


300 


44 


300 


44 


200 


44 


67 


44 


17 


44 


100 


44 


150 


44 


350 


44 



* Since deceased. 



BOYLSTON INSURANCE CO. 



99 



Oregon Railway & Navigation Co. bonds, 

Kansas City, Memphis & B. R.R. bonds, . 

Kansas City,. Memphis & B. R.R. ext. notes, 

Oregon Short Line, Utah & No. C. R.R. bonds, 

Duluth, South Shore & Atlantic R.R. bonds, 

Chicago, Burl. & Quincy R.R. (Neb.) bonds, 

Old Colony Railroad bonds, . . 

Cedar Rapids & Missouri River R.R. bonds, 

New England Mortgage Security Co. bonds, 

Metropolitan Telephone & Tel. Co. bonds, 

Utah & Northern R.R. bonds, . 

Union Pacific Railroad Notes, . 

Simpson Patent Dry Dock Company bonds, 

General Electric Company bonds, . 

City of Cambridge bonds, 

City of Providence bonds, 

City of Cairo bonds, 

City of Fitchburg bonds, . 

City of Haverhill bonds, . 

5 shares Underwriters 1 Salvage Company, 



Par Value. 

$10,000 00 
25,000 00 

3,125 00 
25,000 00 
25,000 00 
30,000 00 
25,000 00 
21,500 00 
10,000 00 

8,000 00 

8,000 00 
10,000 00 

5,000 00 
10,000 00 
35,000 00 
20,000 00 
700 00 
25,000 00 
25,000 00 
500 00 



Market Value. 

$4,900 00 

5,750 00 

937 50 

12,250 00 

25,250 00 

26,100 00 

26,000 00 

25,165 00 

9,000 00 

8,240 00 

4,560 00 

8,700 00 

5,000 00 

7,000 00 

35,700 00 

20,800 00 

700 00 

25,500 00 

25,500 00 

500 00 



$545,225 00 $551,472 50 



Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate (first liens*), $192,500 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



Liabilities. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



2,343 00 
551,472 50 

2,586 84 
73,633 74 

2,257 00 
45,000 33 
13,297 00 



$43,930 00 

239,470 23 

1,344 80 

1,660 00 

8,000 00 

340 00 



$883,090 41 



294,745 03 



Surplus over capital, . 



$588,345 38 
557,200 00 

$31,145 38 



* Value of lands mortgaged, $283,800 00 

Value of buildings thereon, 207,500 00 

Amount of insurance held as collateral, .... 186,100 00 



100 



BOYLSTON INSURANCE CO. 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premium-, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, 



|51,155 00 

112 13 

$51,042 87 
359,638 29 

§410,681 16 
45,000 33 

$365,680 83 
66,287 11 

$15,625 08 
43,613 80 

$59,238 88 
13,297 00 

$45,941 88 
9,193 26 



sources, . 



Expenditures. 

Cash paid for fire losses, $241,641 75 

Deduct salvage and re-insurance, . . . 17,321 65 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . $35,571 88 
Deduct salvage and re-insurance, . . . 4,785 41 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Interest paid scrip holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



. $44,061,560 00 
. 32,220,889 00 



. $76,282,449 00 
. 32,453,266 00 



. $43,829,183 00 
. 3,175,863 00 



$299,393 72 



36,748 62 

8,176 25 

28,804 96 

$373,123 55 



$224,320 10 



30,786 47 
16,716 00 
47 15 
64,805 33 
22,108 00 
5,044 07 
29,853 56 

$393,680 68 

Premiums. 

$491,009 89 
359,638 29 



$850,648 18 
355,519 65 



$495,128 53 
37,004 22 



. $40,653,320 00 $458,124 31 



DWELLING HOUSE INSURANCE CO. 



101 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 



$378,910 00 
5,243,767 00 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$5,622,677 00 
5,212,351 00 



$410,326 00 
65,205 00 



Miscellaneous. 
Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$18,737 20 
43,613 80 



$62,351 00 
44,132 69 



,218 31 
2,721 36 



$345,121 00 $15,496 95 



$7,297,567 00 

4,386,243 00 

228,660 00 

22,476 00 

898,524 00 

16,716 00 

33,600 00 



DWELLING HOUSE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 30, 1872. Commenced business Jan. 9, 1873.] 
Paid-up Capital, $300,000. 
CHARLES K. NICHOLS, President. HENRY F. PERKINS, Secretary. 

Office, No. 40 Water Street. 



Detailed Statement of Stocks 



100 " Merchants 1 National Bank stock, 
100 " Republic National Bank stock, 
100 " State National Bank stock, 
100 " Suffolk National Bank stock, . 
100 " Atlas National Bank stock, 
100 " Howard National Bank stock, 
69 " Hide and Leather Nat'l Bank stock, 
50 " New England National Bank stock, 
50 " Redemption National Bank stock, 
44 " Union National Bank stock, . 
30 " Eagle National Bank stock, . 
7 " Tremont National Bank stock, 
100 " Vermont & Mass. R.R. stock, . 
Eastern Railroad bonds, .... 
Boston & Providence Railroad bonds, 
Old Colony Railroad bonds, 



and Bonds. 

Par Value. 

$10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

6,900 00 

5,000 00 

5,000 00 

4,400 00 

3,000 00 

700 00 

10,000 00 

5,000 00 

5,000 00 

20,000 00 



Market Value. 

$18,500 00 

14,900 00 

15,500 00 

11,700 00 

10,000 00 

12,200 00 

10,300 00 

7,320 00 

8,000 00 

6,320 00 

5,762 00 

2,940 00 

665 00 

14,000 00 

5,900 00 

5,500 00 

21,200 00 



$135,000 00 $170,707 00 



102 



DWELLING HOUSE INSURANCE CO. 



Securities held as collateral for cash loans : — 

United States bonds, 

Fitchburg Railroad bonds, .... 



Market Value. Loaned Thereon. 

$2,260 00 
5,150 00 



|5,000 00 



$7,410 00 |6,000 00 



2,367 60 

170,707 00 

5,000 00 

27,983 90 

18,894 60 

3,330 40 

54,387 50 

34,156 05 



$2,160 00 

1,577 00 

3,600 00 

140,305 30 

353 64 

3,684 80 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens*), $156,450 00 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaiinable on perpetual fire policies, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected. 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, 



§97,515 27 
1,860 00 

$95,655 27 
208,916 74 

8304,572 01 
88,543 55 

$216,028 46 
29,559 82 



sources, 



$473,277 05 



151,680 74 

$321,596 31 
300,000 00 

821,596 31 



$186,468 64 
7,829 70 
7,354 11 



E2 1.652 45 



* Value of lands mortgaged, 
Value of buildirjge thereon, 
Amount of insurance held as collateral, 



$175,000 00 
200,200 00 
179,000 00 



EQUITABLE MARINE INSURANCE CO. 



103 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures 

Risks and Premiums. 



$102,401 46 

49,275 63 

18,020 16 

6,394 75 

15,860 65 

$191,952 65 



Fire risks outstanding; Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, .... 
Perpetual risks in force (included above), 



Premiums. 

f31,531,530 00 $295,973 06 
18,757,563 00 208,916 74 



. f50,289,093 00 $504,889 80 
. 19,963,413 00 224,039 63 



. $30,325,680 00 $280,850 17 
24,653 00 239 57 



$30,301,027 00 $280,610 60 
18,300 00 372 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . 



1,514,626 00 
909,301 00 

99,930 00 
360,000 00 

31,600 00 



EQUITABLE MARINE INSURANCE COMPANY, 
PROVINCETOWN. 

[Incorporated 1845. Commenced business 1846.] 

Paid-up Capital, $50,000. 

LYSANDER M. PAINE, President. LEWIS NICKERSON, Secretary. 



Detailed Statement of Stocks 



80 shares Freeman's National Bank, Boston, 

65 

15 

15 

45 

16 

24 

20 



First National Bank, Provincetovvn, 
Revere National Bank, Boston, 
State National Bank, Bank, 
National Bank of Republic, Boston, 
Hide and Leather Nat'l Bank, Boston, 
Boston & Albany Railroad, 
Union Pacific Railroad, 



and Bonds. 

Par Value. 

$8,000 00 
6,500 00 
1,500 00 
1,500 00 
4,500 00 
1,600 00 
2,400 00 
2,000 00 



Market Value. 

$8,480 00 
9,100 00 
1,500 00 
1,608 75 
6,637 50 
1,688 00 
4,800 00 
340 00 



104 



EQUITABLE MARINE INSURANCE CO. 



Brookline town bonds, 

Bangor city bonds, . 

Cincinnati city bonds, 

Kansas City bonds, . 

Portsmouth, X. II., city bonds, 

Toledo city bonds, 

Omaha city bonds, 

Old Colony Kail road bonds, 

New York & New England Railroad bonds, 

Chicago & North Western Railroad bonds, 

Fitchburg Railroad bonds, 

Boston, Revere Beach & Lynn Railroad bonds, 

Atchison, Topeka & Santa Fe Railroad bonds, 

New England Mortgage Security Co. bonds, . 



Securities held as collateral' for cash loans : — 
10 shares State National Bank, Wichita, Kan., 



Par Valne. 

$3,000 00 
2,000 00 
3,000 00 
2,500 00 
5,000 00 
3,000 00 
3,000 00 
5,000 00 
2,000 00 
2,000 00 
5,000 00 
4,000 00 
2,500 00 
1,000 00 



Market Value. 

$3,037 
2,370 00 
3,620 00 
2,725 00 
5,000 00 
3,000 00 
3,150 00 
5,000 00 
2,140 00 
2,140 00 
5,112 50 
4,180 00 
1,315 00 
1,000 00 



$71,000 00 $77,944 25 



Market Value. 

$1,500 00 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



31, 1893. 

$77,944 25 

525 00 

243 31 

5,592 05 

540 00 

6,025 28 

16,281 54 



$1,000 00 

9,489 48 

23,125 16 

225 00 



Surplus over capital, 

Income. 

Premiums on risks written or renewed, . 
Less re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest and dividends received from all sources, 

Gross cash income, 



832,884 30 
2,613 84 



Loaned Thereon. 

$525 00 



$107,151 43 



33,839 64 

$73,311 79 
50,000 00 



f23,311 79 



$30,270 46 
3,987 72 

$34,258 18 



firemen's FIRE INSURANCE CO. 



105 



Expenditures. 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 

Marine risks outstanding Dec. 31, 1892, . . $400,200 00 
Marine risks written during 1893, . . . 566,920 00 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$967,120 00 
599,204 00 



$367,916 00 
14,850 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), . 
Company's stock owned by directors, . 



$21,515 93 

2,500 00 

2,158 26 

1,550 00 

661 78 

625 67 



$29,011 64 

Premiums. 

$26,581 34 
31,866 76 


$58,448 
34,306 


10 

78 


$24,141 
1,016 


32 
16 



153,066 00 $23,125 16 



$434,404 00 

300,236 00 

31,005 00 

50,500 00 

2,500 00 

9,400 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 30, 1872.] 

Paid-up Capital, $400,000. 

THOMAS W. TUCKER, President. HENRY C. SHORT, Secretary. 

Office, No. 43 Kilby Street. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Boston city bonds, $80,000 00 $83,100 00 

Fall River city bonds, 30,000 00 32,700 00 

Lawrence city bonds, 5,000 00 5,025 00 

Eastern Railroad bonds, 22,500 00 26,437 50 

Fitchburg Railroad bonds, .... 20,000 00 20,600 00 

Boston & Providence Railroad bonds, . . 25,000 00 25,250 00 

Boston & Maine Railroad bonds, . . . 10,000 00 9,750 00 

Old Colony Railroad bonds, .... 20,000 00 20,200 00 

Burlington & Missouri River Railroad bonds, 25,000 00 22,625 00 

Kansas City, St. Joseph & C. Bluffs R.R. bonds, 20,000 00 23,100 00 



106 



FIREMEN S FIRE INSURANCE CO. 



Boston & Lowell Railroad bonds, . 
Chicago, Burlington & Northern R.R. bonds, 
Cedar Rapids, Iowa Falls & No. W. R.R. bonds 
St. Paul & Northern Pacific Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Jackson, Lansing & Saginaw R.R. bonds, 
Old Colony Steamboat Company bonds 
200 shares City National Bank, 
200 " Hamilton National Bank, 
200 " Eagle National Bank, 
54 " Webster National Bank, 
200 " Revere National Bank, 
103 " Atlas National Bank, 
200 " Boston National Bank, 
284 " Atlantic Cotton Mills, 
Corporation notes, . 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $300 25 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, etc., 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



Par Value. 

$1,000 00 
25,000 00 
25,000 00 
30,000 00 
30,500 00 
10,000 00 
15,000 00 
20,000 00 
20,000 00 
20,000 00 
5,400 00 
20,000 00 
10,300 00 
20,000 00 
28,400 00 
40,000 00 



Market Value. 

$1,020 

00 
22,500-00 
34.500 00 
16,255 00 

10,000 oo 

15,000 00 
17,000 

22,000 00 

17,000 00 

4,846 50 

20,000 00 
11,948 00 
18,000 00 
20,732 00 
40,000 00 



$578,100 00 $565,089 00 

31, 1893. 

$213,300 00 

1,792 81 

565,089 00 

821 93 

25,647 56 

6,542 84 

16,615 14 

$829,809 28 



.192 36 

8,987 20 

117,676 75 

162 00 

1,500 00 

1,000 00 

2,924 37 

200 00 



139,642 68 

8690,166 60 
400,000 00 

$290,166 60 



Value of lands mortgaged $202,300 00 

Value of buildings thereon 17S.200 00 

Amount of insurance held as collateral, 186,600 00 



firemen's FIRE INSURANCE CO. 



107 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $15,939 27 
Same not collected, 29 03 

Net collected, $15,910 24 

Premiums on risks written or renewed, . . 156,349 56 

Total |172,259 80 

Premiums now in course of collection, . . 16,915 39 

Entire premiums collected, .... $155,344 41 
Less re-insurance and return premiums, . . 26,102 82 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from bank tax, etc., ....... 



Gross cash income, 



$129,241 59 
10,453 18 
27,216 42 

2,007 08 

$168,918 27 



Expenditures. 

Cash paid for lire losses, 

Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$95,539 68 
5,699 27 



,840 41 

27,953 00 

20,221 35 

14,530 00 

4,930 18 

9,768 05 

$167,242 99 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and* Premiums. 

Premiums. 

. $21,903,133 00 $228,956 54 
. 15,951,329 00 156,349 56 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $37,854,462 00 $385,306 10 
. 16,198,206 00 152,620 28 



.$21,656,256 00 $232,685 82 
781,271 00 7,636 04 



. $20,874,985 00 $225,049 78 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, .... 



$2,697,977 00 

1,396,508 00 

87,673 00 

613,000 00 

28,000 00 

20,500 00 



108 



FIRST NATIONAL FIRE INSURANCE CO. 



FIRST NATIONAL FIRE INSURANCE COMPANY, 
WORCESTER. 

[Incorporated April, 1868. Commenced business January, 1869.] 

PAiD-ur Capital, $200,000. 

CHARLES B. PRATT, President. GEORGE A. PARK, Secretary. 



Detailed Statement of Stocks 



Worcester, Nashua & Rochester R.R. bonds, 

30 shares Worcester National Bank, 

50 
120 

27 

15 

31 

25 

20 

24 

50 

78 ' 



Worcester Safe Deposit & Trust Co. 
First National Bank, 
Eliot National Bank, 
North National Bank, 
Boylston National Bank, 
Merchants' National Bank, 
Revere National Bank, . 
National Bank of Commerce, 
Fitchburg Railroad stock, 
Norwich & Worcester Railroad, 



and Bonds. 

Par Value. 

$6,000 00 
3,000 00 
5,000 00 

12,000 00 
2,700 00 
1,500 00 
3,100 00 
2,500 00 
2,000 00 
2,400 00 
5,000 00 
7,800 00 



Market Value. 

$6,015 00 
4,440 00 
7,750 00 

21,000 00 
3,240 00 
1,650 00 
3,875 00 
3,750 00 
2,020 00 
2,808 00 
3,750 00 

13,884 00 



Securities held as collateral for cash loans : — 
38 shares Washburn & Moen M'f'g Company, 



$53,000 00 $74,182 00 

Market Value. Loaned Thereon. 

$5,700 00 $4,000 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate,* 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Bills receivable, 
Gross assets, 



Liabilities. 



Losses adjusted, unpaid, . 
Losses claimed and reported, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 



$550 00 
183,750 62 

3,508 86 
74,182 00 

4,000 00 
10,000 00 

2,852 80 

14,068 13 

780 33 

37,600 67 

4,515 00 



$21,106 94 
9,375 00 

$30,481 94 
1,878 91 

$28,603 03 



$335,808 41 



* Total value of property mortgaged $354,500 00 

Amount of insurance held as collateral, .... 99,800 00 



FIRST NATIONAL FIRE INSURANCE CO. 



109 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



$101,418 09 
5,640 09 



$135,661 21 



$200,147 20 
200,000 00 



$147 20 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $25,844 31 
Same not collected, 36 82 

Net collected, ' $25,807 49 

Premiums on risks written or renewed, . . 208,788 62 

Total, • $234,596 11 

Premiums now in course of collection, . . 37,600 67 

Entire premiums collected, .... $196,995 44 
Less re-insurance and return premiums, . . 35,437 68 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from commissions, etc., 

Gross cash income, 



$161,557 76 

12,864 02 

3,630 00 

$178,051 78 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$128,881 99 
12,465 19 



$116,416 80 
8,000 00 
37,701 28 
7,250 00 
1,683 04 
9,442 38 

$180,493 50 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $14,170,689 00 $175,24138 



Fire risks written during 1893, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



15,865,620 00 208,788 62 



$30,036,309 00 $384,030 00 
14,335,004 00 188,003 09 



$15,701,305 00 $196,026 91 
549,814 00 7,296 54 



Net amount in force, . 



$15,151,491 00 $188,730 37 



110 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (4 per cent.), . 

Company's stock owned by directors, 



12,919,887 00 

1,839,109 00 

141,642 00 

192,000 00 

•J 00 

78,700 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY. 

BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May, 1823.] 

Paid-up Capital, $400,000. 

GEO. R. ROGERS, President. JAMES SIMPSON, Secretary. 

Office, No. 58 State Street. 



Detailed Statement of Stocks 



100 shares Atlantic National Bank, . 
200 " City National Bank, 
200 " Columbian National Bank, 
214 " Eagle National Bank, 
300 " Globe National Bank, . 
120 " Hamilton National Bank, 
160 " New England National Bank, 
200 " North National Bank, 

18 " Railroad National Bank, 
178 " State National Bank, 
535 " Suffolk National Bank, . 
200 '• Tremont National Bank, 
200 " Union National Bank, 
200 " Boston & Providence Railroad, 
100 " Chicago, Burlington & Quincy R.R 
100 " Lyman Mills, .... 
Housatonic Railroad bonds, 5s, 
Boston city bonds, 6s, ... 
Boston & Lowell Railroad bonds, 7s, 
Fitchburg Railroad bonds, 7s, . 
Union Pacific, Lincoln & Col. R.R. bonds, 5s, 
Kan. City, Ft. Scott & Mem. R.R. bonds, 6s, 
Oregon Railway & Nav. Co. bonds, 5s, . 
Chicago, Burlington & Quincy R.R. bonds, 5s, 



and Bonds. 

Par Value. 

$10,000 00 
20,000 00 
20,000 00 
21,400 00 
30,000 00 
12,000 00 
16,000 00 
20,000 00 
1,800 00 
17,800 00 
53,500 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
25,000 00 
15,000 00 
10,000 00 
25,000 00 
25,000 00 
5,000 00 
5,000 00 
1,000 00 



Market Value. 

811,750 00 

17,250 00 

20,000 00 

20,330 00 

27,000 00 

13,200 00 

25,600 00 

21,800 00 

2,142 00 

19,046 00 

50,959 00 

17,600 00 

25,000 00 

50,000 00 

00 

6,700 00 

28,000 00 

15,000 00 

10,000 00 

25,000 00 

13,000 00 

4,100 00 

2,600 00 

1,000 00 



$413,500 00 ?43 4,477 00 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Ill 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



Liabilities. 



Total amount of losses, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Re-insurance and return premiums, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capita], 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 



31, 1893. 

$109,500 00 

771 23 

434,477 00 

1,770 09 

16,750 90 

1,791 65 

22,903 22 

798 41 



$28,018 00 
3,390 00 

$24,628 00 

146,064 92 

127 00 

496 90 

3,669 43 

4,381 86 



$27,337 16 
259,769 35 



$287,106 51 
22,903 22 


$264,203 29 
62,087 94 


$2,496 
84 


09 
65 


$2,411 44 
5,540 00 


$7,951 44 
798 41 


$7,153 03 
860 84 



$588,762 50 



179,368 11 

$409,394 39 
400,000 00 

$9,394 39 



$202,115 35 



6,292 19 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$93,300 00 
108,700 00 
116,000 00 



112 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Interest received on mortgages, $3,855 00 

Interest and dividends received from all other sources, . . 22,836 60 

Gross cash income, $235,099 04 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, . 

Gross cash expenditures, .... 



$157,996 31 

390 13 

220 00 

49,232 24 

13,900 00 

4,511 38 

22,647 93 

$248,897 99 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 



$26,772,255 00 
23,597,033 00 



Premiums. 

$296,394 35 
259,769 35 



. $50,369,288 00 
. 24,598,263 00 

. $25,771,025 00 
. 1,986,164 00 



$556,163 70 
257,782 91 



$298,380 79 
22,263 61 



$23,784,861 00 $276,117 18 



$148,020 00 
520,500 00 

$668,520 00 
668,520 00 



$388 00 

5,540 00 

$5,928 00 

5,928 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company. 
Company's stock owned by directors, .... 



57,708,958 00 

5,480,547 00 

162,580 00 

390 00 

2,150,720 00 

10,800 00 



NORTH AMERICAN INSURANCE CO. 



113 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business January, 1873.] 

Paid-up Capital, $200,000. 

SILAS PEIRCE, President. CHARLES E. MACULLAR, Secretary. 

Office, No. 59 Kilby Street. 



Detailed Statement of Stocks 



United States bonds, .... 

Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Northern Pacific R.R. bonds, . 
Union Pacific Railroad bonds, . 
Oregon Railway & Nav. bonds, 
Kan. City, Mem p. & Birmingham R.R. bonds 
Consolidated Railroad of Vermont bonds, 
Old Colony Steamboat Co. bonds, . 
Ogdensburg & Lake Champlain R.R. bonds, 
Boston & Maine Railroad bonds, 
138 shares Boston National Bank, . 

50 ' 
100 ' 

17 ' 

95 ' 

29 ' 
150 ' 
143 ' 

50 ' 
100 ' 
100 ' 



' City National Bank, 

' Eliot National Bank, 

' Exchange National Bank, 

' Globe National Bank, 

1 Hide and Leather National Bank, 

' Merchants' National Bank, 

' Old Boston National Bank,- . 

' Shoe and Leather National Bank, 

' State National Bank, 

' Suffolk National Bank, . 

Amer. Sugar Refinery Co.'s stock, . 

Underwriters 1 Salvage Corp. of N. Y., . 



Securities held as collateral for cash loans : — 

Eastern Railroad Company bond, . 
Central Mass. Railroad Company's stock, 
American Sugar Refinery Company's stock, . 



and Bonds. 

Par Value. 

$15,000 00 

5,000 00 

9,000.00 

4,000 00 

6,000 00 

12,000 00 

5,625 00 

5,000 00 

10,000 00 

4,000 00 

10,000 00 

13,800 00 

5,000 00 

10,000 00 

1,700 00 

9,500 00 

2,900 00 

15,000 00 

14,300 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

100 00 



Market Value. 

$16,875 00 
6,450 00 
8,215 00 
4,400 00 
3,900 00 

12,400 00 
1,650 00 
4,450 00 

10,200 00 
4,160 00 

10,500 00 

13,386 00 
4,312 50 

11,800 00 
1,950 75 
8,550 00 
3,182 75 

22,237 50 

14,157 00 
4,412 50 

10,725 00 

9,500 00 

8,100 00 

100 00 



$192,925 00 $195,614 00 

Market Value. Loaned Thereon. 

$1,175 00 $800 00 

6,000 00 5,000 00 

1,008 00 1,000 00 



$8,183 00 



1,800 00 



Summary of Assets Dec. 31, 1893. 
Cash value of unencumbered real estate, . $44,575 00 

Loans on mortgage of real estate (first liens*), 57,700 00 

* Value of lands mortgaged, $37,650 00 

Value of buildings thereon 77,400 00 

Amount of insurance held as collateral, .... 64,350 00 



114 



NORTH AMERICAN INSURANCE CO. 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . . • 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$939 76 

195,614 00 

6,800 00 

1,720 12 

24,050 87 

1,654 15 

27,836 65 

238 00 



$9,364 02 

9,811 47 

500 00 

126,511 90 

763 87 

3,517 87 

223 57 



$361,128 55 



150,692 70 

$210,435 85 
200,000 00 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums. . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Refunded bank tax, 

Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 



$10,435 85- 



$28,409 30 
1,103 89 

827,305 41 
226,980 25 

$254,285 66 
27,836 65 

8226,449 01 
54,536 56 



sources, . 



$114,188 75 
12,208 44 



-5171.912 45 

2,621 70 

10,034 99 

992 79 

1,036 73 

$186,598 66 



$101,980 31 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



115 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



$29,856 16 

15,725 00 

4,155 09 

10,429 97 

$162,146 53 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

. $26,466,855 00 $277,851 77 
. 21,010,920 00 226,980 25 



$47,477,775 00 $504,832 02 
20,790,046 00 214,974 57 



. $26,687,729 00 $289,857 45 
. 3,169,667 00 33,517 30 



$23,518,062 00 $256,340 15 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



$2,416,866 00 

1,135,922 00 

99,948 00 

295,000 00 

17,800 00 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY > 

SPRINGFIELD. 



[Incorporated 1849. Commenced business 1851.] 
Paid-up Capital, $1,500,000. 



A. J. WRIGHT, President. 



S. J. HALL, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

Amherst (Mass.) Water Company bonds, 
Ann Arbor (Mich.) Water Company bonds, 
Berkshire (Mass.) Water Company bonds, 
Wakefield (Mass.) Water Company bonds, 
West Springfield (Mass.) Aqueduct Co. bonds, 
Chicago, Burlington & Quincy Railroad bonds, 
Chicago, Burlington & Northern R.R. bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, . 
Chicago & Northwestern Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds, 
Kan. City, St. Joe & Council Bluffs R.R. bonds, 



and Bonds. 

Par Value. 

$100,000 00 
16,000 00 
50,000 00 
15,000 00 
50,000 00 
25,000 00 
26,000 00 
11,000 00 
10,000 00 
50,000 00 
2,000 00 
100,000 00 



Market Value. 

$110,000 00 
16,800 00 
57,500 00 
15,750 00 
57,500 00 
26,250 00 
26,320 00 
11,220 00 
12,700 00 
60,000 00 
2,000 00 
118,000 00 



116 SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Par Value. Market Value 

New York & Harlem Railroad bonds, . . $10,000 00 $11,800 00 

New York, New Haven & Hartford R.R. bonds, 24,000 00 31,200 00 

St. Paul, Minneapolis & Manitoba R.R. bonds, 50,000 00 59,000 00 

Union Pacific Railroad bonds, .... 47,000 00 47,000 00 

1,500 shares Boston & Albany Railroad, . . 150,000 00 300,000 00 

563 " Chicago & Alton Railroad, . . 56,300 00 78,820 00 

750 " Chicago, Burl. &Quincy Railroad, 75,000 00 56,250 00 

550 " Chicago, Mil. & St. Paul Railroad, 55,000 00 64,350 00 

550 " Chicago, Rock Isl'd& Pacific R.R., 55,000 00 34,650 00 

500 " Conn. &. Passumpsic Rivers R.R., 50,000 00 "..000 00 

563 " Illinois Central Railroad, . . 56,300 00 50,670 00 

1,000 " New York & Harlem Railroad, . 50,000 00 130,000 00 

1,650 " New York, New Ha. & Hart. R.R., 165,000 00 313,500 00 

600 " Pennsylvania Railroad, . . 30,000 00 30,000 00 

240 " Rome, Watertown & Ogd'g R.R., 24,000 00 26,880 00 

1,000 " West End Street Railway, . . 50,000 00 80,000 00 

203 " Agawam Nat'l Bank, Springfield, 20,300 00 20,300 00 

100 " Chapin Nat'l Bank, Springfield, . 10,000 00 14,000 00 

104 " Chicopee Nat'l Bank, Springfield, 10,400 00 17,160 00 

100 " City National Bank, Springfield,. 10,000 00 14,000 00 

200 " First National Bank, Springfield, 20,000 00 25,000 00 

200 " John Hancock N'IB'k, Springfield, 20,000 00 25,000 00 

127 " Pynchon Nat'l Bank, Springfield, 12,700 00 17,780 00 

:200 " Second Nat'l Bank, Springfield, . 20,000 00 27,000 00 

200 " Third National Bank, Springfield, 20,000 00 42,000 00 

100 " Atlas National Bank, Boston, . 10,000 00 11,500 00 

100 " Boston National Bank, Boston, . 10,000 00 9,300 00 

150 " Boylston National Bank, Boston, . 15,000 00 18,750 00 

200 " Commonwealth Nat'l B'k, Boston, 20,000 00 25,000 00 

100 " Eliot National Bank, Boston, . 10,000 00 12,000 00 

100 " Freeman's National Bank, Boston, 10,000 00 10,600 00 

300 " Howard National Bank, Boston, . 30,000 00 30,000 00 

100 " Merchants 1 Nat'l Bank, Boston, . 10,000 00 15,000 00 

100 " Nat'l Bank of Commerce, Boston, 10,000 00 12,000 00 

100 " Nat'l Exchange Bank, Boston, . 10,000 00 11,500 00 

100 " New England Nat'l Bank, Boston, 10,000 00 16,000 00 

100 " Old Boston Nat'l Bank, Boston, . 10,000 00 10,000 00 

100 " Shawmut Nat'l Bank, Boston, . 10,000 00 11,500 00 

100 " Tremont National Bank, Boston, . 10,000 00 9,000 00 

100 " Washington Nat'l Bank, Boston, 10,000 00 10,100 00 

150 " Webster National Bank, Boston, . 15,000 00 13,500 00 

60 " Winthrop National Bank, Boston, 6,000 00 6,960 00 

65 " First National Bank, Chicopee, . 6,500 00 9,100 00 

67 " Franklin Co. N'l B'k, Greenfield, 6,700 00 6,700 00 

250 " City National Bank, Holyoke, . 25,000 00 27,500 00 

50 " First National Bank, Lynn, . . 5,000 00 6,750 00 

10 " Monson National Bank, Monson, . 1,000 00 1,500 00 

20 " Adams Nat'l Bank, No. Adams, . 2,000 00 2,500 00 

100 " First Nat'l Bank, Northampton, . 10,000 00 12,500 00 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



117 



100 shares Northampton N'l B'k, N'hampton, 

37 " Palmer National Bank, Palmer, 

75 " Ware National Bank, Ware, . 

100 " Bank of No. America, New York, 

200 " Continental Nat'l B'k, New York, 

200 " Fourth Nat'l Bank, New York, 

100 " N'l B'k of Commerce, New York, 

100 " St. Paul Nat 1 ! B'k, St. Paul, Minn., 



Par Value. 

$10,000 00 

3,700 00 

7,500 00 

7,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 



Market Value. 

$18,000 00 
5,550 00 
7,875 00 
12,600 00 
26,000 00 
40,000 00 
20,000 00 
12,000 00 



$1,896,400 00 $2,526,685 00 



Securities held as collateral for cash loans : — 



100 shares Nonotuck Paper Co., Holyoke, 

1 share Parsons Paper Co., . 
115 shares West Springfield Aqueduct Co., 
413 ' 

30 * 
72 " 
45 

17 ' 

6 ' 

10 " 



Market Value. Loaned Thereon. 



$20,000 

10,000 

14,375 

12,390 

3,750 

2,160 

9,450 

3,400 

672 

1,250 

2,000 

3,300 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 j 



$25,000 00 

11,500 00 
10,000 00 

5,000 00 
8,000 00 

6,500 00 



Thompsonviile (Ct.) Water Co., 
1 West Springfield Aqueduct Co., 
Thompsonviile (Ct.) Water Co., 
' Third National Bank, Springfield, 
' Springfield Street R.R. Co., . 
' Shawmut National Bank, Boston, 
' Citizens' Nat'l Bank, New Bedford 
Union Pacific Railroad bonds, . 
Old Colony Railroad bonds, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Bents due and accrued, .... 

Re-insurance, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $3,450,495 17 

* Value of lands mortgaged $248,950 00 

Value of buildings thereon 356,550 00 

Amount of insurance held as collateral 274,500 00 



$82,747 00 


$66,000 00 


. 31, 1893. 




. $134,000 00 




327,550 00 




7,868 51 




. 2,526,685 00 




66,000 00 




27,044 91 




148,767 01 




24,189 00 




240,905 88 




997 16 




1,487 70 






13,505,495 17 




. 


55,000 00 



118 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, $115,983 36 

claimed and reported, .... 145,840 37 

disputed or resisted, .... 29,193 02 



Total amount of losses, $291,016 75 

Less re-insurance, 27,492 84 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



$263,524 41 

1,343,413 79 

36,135 88 

$1,643,074 08 
13,135 73 



$1,629,938 35 



. $1,820,55' 
. 1,500,000 00 

. $320,556 82 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $239,286 87 
Premiums on risks written or renewed, . . 2,112,279 25 

Total, $2,351,566 12 

Premiums now in course of collection, . . 240,905 88 

Entire premiums collected, .... $2,110,660 24 
Less re-insurance and return premiums, . . 342,395 02 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$1,768,265 22 

17,349 48 

128,390 02 

4,699 32 

. $ 1,9 18,704 04 



$1,313,925 69 
63,722 81 



$1,250,202 88 

150,000 00 

298,142 64 

72,299 76 

61,694 73 

183,408 62 



Gross cash expenditures, 



..015,748 63 



WELLFLEET MARINE INSURANCE CO. 



119 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $202,596,623 00 $2,617,382 50 
Fire risks written during 1893, . . 123,165,402 00 2,112,279 25 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 



$325,762,025 00 $4,729,661 75 
126,007,332 00 2,125,022 90 



$199,754,693 00 $2,604,638 85 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$32,563,418 00 

20,308,511 00 

1,229,854 00 

2,954,542 00 

150,000 00 

165,700 00 



WELLFLEET MARINE INSURANCE COMPANY, WELLFLEET. 

[Incorporated Dec. 28, 1885. Commenced business Feb. 1, 1886.] 

Paid-up Capital, $100,000. 

THOS. KEMP, President. CHAS. A. COLLINS, Secretary. 



Detailed Statement of Stocks 



Union Market N'l Bank,Watertown 
Freeman's National Bank, Boston, 
Hide and Leather N'l Bank, Boston 
Manufacturer's Nat'l Bank, Boston 
First National Bank, Portland, 
Home National Bank, Brockton, 
First National Bank, Ayer, 
Blackstone National Bank, Boston 
State National Bank, Boston, . 
First Ward National Bank, Boston 
Republic National Bank, Boston, 
Commercial National Bank, Boston 
Third National Bank, Boston, 
South End National Bank, Boston 
New York,NewHaven & Hart. R.R. 
Boston & Maine Railroad, 
Ocean Insurance Co., Portland, 



and Bonds. 

Par Value. 

$8,000 00 
5,400 00 
9,300 00 
3,000 00 
3,000 00 
2,300 00 
2,000 00 
2,500 00 
1,500 00 
1,800 00 
700 00 
300 00 
5,000 00 

15,000 00 
5,000 00 
4,500 00 
1,800 00 
1,000 00 



Market Value. 

$9,600 00 

7,290 00 

9,858 00 

3,165 00 

3,000 00 

2,415 00 

3,200 00 

2,625 00 

1,342 50 

1,930 50 

892 50 

442 50 

4,800 00 

13,237 50 

4,250 00 

8,482 50 

2,394 00 

100 00 



$72,100 00 $79,025 00 



120 



WELLFLEET MARINE INSURANCE CO. 



Securities held as collateral for cash loans : — 

1 share Mercantile Wharf Company, 

3 shares Old Colony Railroad, .... 

5 shares Cape Cod National Bank, . 

Savings bank books assigned, .... 

Loan on company's own stock,. . $325 00 



Excess of loan over market value, 



Market Value. Loaned Thereon. 

$200 00 $405 00 

519 00 ) 
600 00 S 
501 00 700 00 



$1,820 00 



800 00 



$1,905 00 
404 00 



31,501 00 
Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens*), $1,500 00 

Interest due or accrued thereon, . . . 148 75 

Stocks and bonds, as per schedule, . . . 79,025 00 

Loans on collateral security, as per schedule, . 1,501 00 

Loan on personal security, .... 2,200 00 

Cash in the office of the company, . . . 1,316 54 

Cash deposited in bank, 12,399 11 

Interest due and accrued, 101 25 

Premiums in course of collection (gross), . 9,275 00 

Notes taken for marine and inland risks, . 29,800 71 

Gross assets, $137,267 36 



Liabilities. 

Losses claimed and reported, .... 
Unearned premiums on outstanding risks, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Paid-up capital, 



$16,000 00 
28,616 06 



Impairment of capital, 



44,616 06 

892,651 30 
100,000 00 

$7,348 70 



Income. 

Marine premiums collected, .... 
Less re-insurance and return premiums, . 

Net cash marine premiums received, . . 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 



$48,979 22 
2,637 70 



§46,341 52 

88 81 

5,016 17 



Gross cash income, §51,446 50 

* Value of lands mortgaged, $2,500 00 

Value of buildings thereon 1,400 00 

Amount of insurance held as collateral, 1,000 00 



WELLFLEET MARINE INSURANCE CO. 



121 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



§39,028 50 
1,240 92 



$37,787 58 
5,000 00 
3,447 97 
1,802 78 
1,224 00 
587 09 

$49,849 42 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$596,734 00 
688,708 00 

$1,285,442 00 
850,330 00 

$435,112 00 
15,262 00 



Premiums. 

$41,833 46 
38,617 27 



,450 73 

50,650 02 

$29,800 71 

1,184 65 



$419,850 00 $28,616 06 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), . 
Company's stock owned by directors, . 



$414,657 00 

370,845 00 

40,275 00 

35,000 00 

5,000 00 

25,400 00 



AGGREGATE. 



Capital Stock. 
Whole amount of capital actually paid up in cash, 

Assets. 
Gross present assets, 

Liabilities. 
Gross present liabilities, 

Income. 
Cash actually received for fire premiums, . 
actually received for marine premiums, 
for interest and dividends from all sources, 
from all other sources, .... 


• 


$5,007,200 00 

$10,538,001 00 

$3,732,569 00 

$3,242,019 00 

1,178,750 00 

4 20,061 00 

23,742 00 


Gross cash income, 

Expenditures. 
Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
dividends to stockholders, .... 
for brokerage and commissions on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 
for office, agency and incidental expenses, 


• 


$4,864,572 00 

|2,278,285 00 
1,049,545 00 
319,296 00 
655,456 00 
249,406 00 
110,720 00 
365,458 00 


Gross cash expenditures, .... 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, 
marine risks outstanding at end of year, 
cash dividends declared during the year, 
fire losses incurred during the year, 
marine losses incurred during the year, . 


$5,028,166 00 

$283,727,237 00 

3,920,780 00 

69,490,194 00 

1,268,260 00 

289,285,627 00 

71,332,730 00 

392,374,096 00 

11,725,851 00 

319,216 00 

2,291,220 00 

1,258,163 00 



FIRE, MARINE, AND FIRE-MARINE 
INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1893. 



124 



JETNA INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



".ETNA INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business Aug. 17, 1819.] 

Paid-tjp Capital $4,000,000. 

WM. B. CLARK, President. W. H. KING, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $100,000 00 8111,000 00 

Alabama State bonds 10,000 00 10,100 00 

Georgia State bonds 25,000 00 27,500 00 

Mississippi State bonds, 11,000 00 12,430 00 

New Hampshire State bonds, .... 47,000 00 52,640 00 

Rhode Island State bonds, .... 30,000 00 36,3G0 00 

Tennessee State bonds 23,000 00 17,250 00 

Hartford County, Conn., bonds, . . . 5,000 00 5,000 00 

Mecklenburg County, X. C, bonds, . . . 56,000 00 64,400 00 

Talbot County, Ga., court house bonds, . . 11,000 00 11,550 00 

Barkhamstead, Conn., town bonds, . . . 1,000 00 1,000 00 

Norwich, Conn., town bonds, .... 100,000 00 128,000 00 

Pawtucket, R. I., town bonds, .... 100,000 00 104.000 00 

Windsor Locks, Conn., town bonds, . . 10,000 00 10,600 00 

Albina, Oregon, city boulevard bonds, . . 25,000 00 .750 00 

Americas, Ga., city bonds, .... 6,000 00 6,600 00 

Bainbridge, Ga., city academy bonds, . . 8,000 00 8,800 00 

Bloomington, 111., city bonds,' .... 10,000 00 10,100 00 

Boston, Mass., city bonds, .... 50,000 00 54,500 00 

Brooklyn. X. Y., city bonds, .... 9,00000 9,72000 

Buffalo*, X. Y., city bonds, .... 50,000 00 61,500 00 

Cleveland, Ohio, city bonds, .... 25,000 00 25,250 00 

Cincinnati, Ohio, city water bonds, . . . 30,000 00 31,200 00 

City of Sioux Falls, So. Dak., funding bonds, 25,000 00 25,000 00 

Chicago, 111., city bonds, 17,000 00 19,040 00 

Columbus, Ohio, city improvement bonds, . 38,000 00 40,280 00 

Dalles City, Oregon, water bonds, . . . 25,000 00 27,500 00 

Dallas, Tex., city water and sewer bonds, . 50,000 00 52,000 00 

Dayton, Ohio, city street paving bonds, . . 25,000 00 28,125 00 

Fostoria, Ohio, city water bonds, . . . 25,000 00 25,000 00 

Fort Wayne, Ind., city bonds 25,000 00 27,500 00 

Glenville, Ohio, village bonds, .... 29,000 00 29,580 00 

Greensboro', N. C, city school bonds, . . 24,000 00 25,200 00 



^ETNA INSURANCE CO. 



125 



Greenville, Ala., school bonds, 
Hamilton, Ohio, city gas works bonds, 
Hartford, Conn., city bonds, 
Indianapolis, Ind., city bonds, . 
Kansas City, Kansas, improvement bonds 
Lexington, Ky., city bonds, 
Lockport, X. Y., city bonds, 
Montreal, Canada, corporation stock, 
Montreal, Canada, harbor bonds, 
Newark, X. J., city bonds, 
New Brunswick, N. J., bonds, . 
Ogden City, Utah, improvement bonds, 
Port of Portland, Oregon, gold bonds, 
Providence, R. I., city bonds, 
Rah way, X. J., city bonds, 
Richmond, Va., city bonds, 
Roanoke, Va., city bonds, . 
Seattle, Wash , city bonds, 
St. Louis, Mo., city gold bonds, 
Superior, Wis , city gold bonds, 
Toledo, Ohio, city special bonds, 
Topeka, Kansas, city funding bonds, 
Urbana, Ohio, city bonds, . 
Chamber of Com. Safety Vault bonds, Chic, 
Central Safety Deposit bonds, Chicago, 
Tacoma Safety Deposit bonds, Chicago, 
North East School Dist., Hartford, Conn., b'ds, 
School District No. 2, Enfield, Conn., bonds, . 
School Dist. No. 1, County of Pueblo, Col., b'ds, 
School Dist. No. 24, Woodbridge, N. J., bonds, 
State of 111., Mason & Tazewell Drain. Dist. b'ds, 
The Y. M. C. A., Wilmington., N. C, bonds, 
Underwriters" Prot. Ass. of Newark, N.J , b'ds, 
Albany & Susquehanna Railroad bonds, . 
Alabama Central R.R. first mortgage gold b'ds 
Atchison, Colorado & Pacific Railroad bonds, 
Akron & Chicago Junction Railroad bonds, 
Buffalo & Erie Railroad bonds (new), 
Canadian Pacific Railway Co., land grant, 
Centralia & Chester Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Cleveland, Col., Cin.& Indianapolis R.R. bonds 
Chicago, Burliugton & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago and Northwestern Railroad bonds, 
Chicago, R I. & Pacific Railroad bonds, . 
Chicago & Western Indiana Railroad bonds, 
Cincinnati, Dayton & Ironton Railroad bonds, 
Cincinnati, Hamilton & Dayton R.R. bonds, . 



Par Value. 

$20,000 00 
25,000 00 
51,000 00 
50,000 00 
59,500 00 
50,000 00 
25,000 00 
19,000 00 
4,000 00 
50,000 00 
28,000 00 
18,000 00 
50,000 00 
50,000 00 
45,000 00 
44,050 00 
30,000 00 
50,000 00 
50,000 00 
25,000 00 
13,000 00 
25,000 00 
25,000 00 
35,000 00 
50,000 00 
50,000 00 
20,000 00 
4,000 00 
25,000 00 
8,000 00 
9,000 00 
20,000 00 
1,000 00 
100,000 00 
25,000 00 
50,000 00 
25,000 00 
46,000 00 
100,000 00 
25,000 00 
25,000 00 
85,000 00 
162,000 00 
195,000 00 
155,000 00 
160,000 00 
109,000 00 
25,000 00 
82,000 00 



Market Value. 

$21,000 00 
26,250 00 
55,080 00 
51,500 00 
63,095 00 
52,500 00 
28,000 00 
21,280 00 

4,000 00 
53,500 00 
29,460 00 
18,360 00 
54,000 00 
56,000 00 
36,000 00 
47,890 00 
31,500 00 
51,000 00 
53,000 00 
26,000 00 
' 14,690 00 
26,250 00 
26,250 00 
36,750 00 
52,500 00 
55,000 00 
20,000 00 

4,000 00 
25,000 00 

8,400 00 

9,900 00 
20,000 00 

1,000 00 

123,000 00 

27,500 00 

24,000 00 

25,750 00 

51,060 00 

110,000 00 

23,750 00 

21,500 00 

104,400 00 

171,325 00 

238,650 00 

199,150 00 

177,000 00 

124,200 00 

23,750 00 

85,900 00 



126 



^ETNA INSURANCE CO. 



Columbus & Toledo Railroad second bonds, . 
Connecticut River R.R. convertible scrip, 
Dayton & Western Railroad mortgage bonds, . 
Del. <fc Hudson Canal Co. mortgage bonds, 
Flint & Pere Marquette R.R. mortgage bonds, 
Harl. Riv. & Port Ches. R.R. mortgage bonds, 
Indiana & Lake Michigan R.R. mort. bonds, 
Iowa Midland Railroad bonds, 
Kansas Pacific Railroad bonds, 
Keokuk & Des Moines Railroad bonds, . 
Lake Shore Railroad bonds, 
Lake Shore & Michigan Southern R.R. bonds, 
Louisville, New Albany & Chicago R.R. bonds, 
Louisiana & Missouri River Railroad bonds, 
Mahoning River bonds, .... 
Michigan Central Railroad bonds, . 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis Union Railroad bonds, 
Morris & Essex Railroad bonds, 
New York Central & Hudson Riv. R.R. bonds 
New York & Harlem Railroad bonds, 
New York, Lake Erie & West. R.R. bonds, 
New York & New England R.R. bonds, . 
New York, New Hav. & H't R.R. certificates 
Norfolk & Western Railroad bonds, 
Northwestern Union Railroad bonds, 
Oswego Railroad bonds, .... 
Ohio & West Virginia Railroad bonds, . 
Pittsburgh, Ft. Wayne & Chic. R.R. bonds, 
Quincy, Alton & St. Louis R'y bonds, 
St. Paul, Minn. & Manitoba R.R. bonds, . 
St. Paul & Northern Pacific R.R. bonds, . 
St. Paul & Sioux City R.R bonds, 
Terre Haute & Peoria R.R. bonds, 
Toledo & Ohio Central R R bonds, 
Vermont Valley Railroad bonds, 
Wabash Railroad bonds, . 
West Shore Railroad bonds, 
Atlantic Dock Company bonds, 
Loan and Guarantee Company of Conn, bonds 
Atlantic Mutual Insurance Company scrip, 
50 shares Connecticut River Company, 
10 " Under writers' Salvage Co. of N.Y. 
500 " Albany & Susquehanna R.R., 
250 " Bald Eagle Valley Railroad, 
150 " Central Ohio Railroad, . 
750 " Cleve., C, C. & St. L. R.R., pref. 
1,000 " Cleveland & Pittsburgh R.R , 
240 " Chicago, Burl. & Quincy R.R., 



Par Value. 

$14,000 00 
15,000 00 
28,000 00 
55,000 00 
50,000 00 
150,000 00 
50,000 00 
25,000 00 
25,000 00 
40,000 00 
30,000 00 
95,000 00 
25,000 00 
25,000 00 
30,000 00 
50,000 00 
25,000 00 
50,000 00 
135,000 00 
175,000 00 
10,000 00 
45,000 00 
50,000 00 
30,000 00 
50,000 00 
25,000 00 
50,000 00 
26,000 00 
196,000 00 
25,000 00 
13,000 00 
50,000 00 
20,000 00 
25,000 00 
25,000 00 
50,000 00 
25,000 00 
50,000 00 
31,000 00 
10,000 00 
45,480 00 
5,000 00 
1,000 00 
50,000 00 
12,500 00 
7,500 00 
75,000 00 
50,000 00 
24,000 00 



Market Value. 

$15,400 00 
15,000 00 
31,080 00 
65,950 00 
48,750 00 
182,500 00 
52,500 00 
29,250 00 
23,000 00 
40,000 00 
34,500 00 
115,750 00 
28,000 00 
29,000 00 
33,000 00 
60,500 00 
31,250 00 
57,500 00 
186,800 00 
220,500 00 
11,900 00 
58,950 00 
57,500 00 
39,000 00 
61,500 00 
33,500 00 
57,500 00 
29,900 00 
264,910 00 
25,000 00 
14,560 00 
58,000 00 
24,800 00 
25,375 00 
25,750 00 
52,500 00 
25,750 00 
52,000 00 
32,860 00 
10,000 00 
47,754 00 
1,000 00 
1,000 00 
83,500 00 
25,000 00 
7,500 00 
65,250 00 
75,000 00 
17,760 00 






.etna insurance co. 127 

Par Value. Market Value. 

220 shares Chic, Rock Island & Pacific R R., $22,000 00 $14,080 00 

300 " Connecticut River Railroad, . . 30,000 00 67,500 00 

500 " Conn. & Passnmpsic Rivers R.R., 50,000 00 51,000 00 

300 " Dayton & Michigan R.R., pref., . 15,000 00 22,500 00 

400 " Ft. Wayne & Jackson R.R., pref., 40,000 00 46,000 00 

100 " Joliet & Chicago Railroad, . . 10,000 00 15,000 00 

200 " Kal., Allegan & Gr. Rapids R.R., 20,000 00 20,000 00 

200 " Keokuk & Des Moines R.R., pref., 20,000 00 3,000 00 

1,000 " Morris & Essex Railroad, . . 50,000 00 76,000 00 

800 " New York Cen.& Hudson R. R.R., 80,000 00 78,400 00 

500 " New York & Harlem Railroad, . 25,000 00 65,000 00 

1,500 " New York,NewHav.& Hart. R.R., 150,000 00 292,500 00 

1,000 " Northwest Telegraph Company, . 50,000 00 51,000 00 

750 " Pitts., Fort Wayne & Chicago R.R., 75,000 00 112,500 00 

150 " Peoria & Bureau Valley Railroad, 15,000 00 25,500 00 

200 " Rensselaer & Saratoga Railroad, . 20,000 00 36,000 00 

200 " Valley (New York) Railroad, . 20,000 00 22,000 00 

200 " ^tna Nat'l Bank, Hartford, Conn., 20,000 00 26,000 00 

200 " American Nat'l Bank, Hart., Conn., 10,000 00 12,000 00 

400 " Charter Oak Na'l B'k, Hart., Conn., 40,000 00 41,200 00 

160 " City Bank of Hart., Hart., Conn., 16,000 00 16,480 00 

150 " Conn. Riv. B'k'g Co., Hart, Conn., 7,500 00 7,500 00 

350 " Farm. & Mechanics' N'l B'k, Hart., 35,000 00 38,500 00 

200 " First National Bank, Hart., Conn., 20,000 00 21,000 00 

1,000 " Hartford Nat'l Bank, Hart., Conn., 100,000 00 160,000 00 

550 " Nat'l Exchange Bank,Hart., Conn., 27,500 00 33,000 00 

1,000 " Phoenix Nat'l Bank, Hart., Conn., 100,000 00 125,000 00 

550 " State Bank, Hartford, Conn., . 55,000 00 56,650 00 

400 " Am. Exchange Natl Bank, N. Y., 40,000 00 60,000 00 

400 " Bank of the Manhattan Co., N. Y., 20,000 00 38,000 00 

300 " B'k of N. Y. N'l B'k'g Asso., N. Y., 30,000 00 70,500 00 

200 " Bank of North America, N. Y., . 14,000 00 23,800 00 

100 " Hanover National Bank, N. Y., . 10,000 00 35,000 00 

300 " Imp. & Traders' Nat'l B'k, N. Y., 30,000 00 180,000 00 

100 " Market and Fulton N'l B'k, N. Y., 10,000 00 22,000 00 

700 " Merchants' National Bank, N. Y., 35,000 00 52,500 00 

120 " Merchants' Exch. Nat'l B'k, N. Y., 6,000 00 7,500 00 

1,200 " Mechanics' National Bank, N. Y., 30,000 00 57,000 00 

400 " Metropolitan Nat'l Bank, N. Y., . 40,000 00 3,200 00 

200 " Nassau Bank, N. Y., . . . 10,000 00 17,500 00 

500 " Nat'l Bank of Commerce, N. Y., . 50,000 00 90,000 00 

150 " Nat'l Bank of the Republic, N.Y., 15,000 00 24,000 00 

300 " N'l Butchers' & Drovers' B'k, N.Y., 7,500 00 14,250 00 

100 " National City Bank, N. Y., . . 10,000 00 45,000 00 

300 " Phenix National Bank, N. Y., . 6,000 00 7,500 00 

200 " People's Bank, N. Y., . . . 5,000 00 15,000 00 

100 " Third National Bank, N. Y., . 10,000 00 10,000 00 

250 " Farm, and Mech. Nat'l B'k, Phila., 25,000 00 30,000 00 

100 " First Nat'l Bank, Albany, N. Y., . 10,000 00 18,000 00 



128 



iETNA INSURANCE CO. 





Par Value. 


Market Value. 


100 shares New Britain N'l B'k, N. B., Conn., 


$10,000 00 


$16,000 00 


100 " Central Trust Co., N. Y., 


10,000 00 


105,000 00 


100 " Holland Trust Co., N". Y., 


10,000 00 


16,500 00 


100 " ( Metropolitan Trust Co., N. Y , 


10,000 00 


28,000 00 


150 " N. Y. Life Ins. & Trust Co., N. Y., 


15,000 00 


101,250 00 


100 " United States Trust Co., X. Y., 


10,000 00 


82,500 00 


100 " Union Trust Co., X. Y., . 


10,000 00 


70,000 00 




$7,208,530 00 $9,098,12-1 00 


Securities held as collateral for cash loans 


— 






Market Value. 


Loaned Thereon. 


25 shares National Bank of Commerce, N. Y 


$4,500 00 


► f 3,600 00 


25 " Mechanics 1 National Bank, N. Y., 


1,187 50 


3 " Chicago, Burlington & Quincy R.R 


222 00' 




18 " Union Pacific Railroad, 


306 00 




11 " Atchison, Topeka & Santa Fe R.R., 


132 00 


2,000 00 


2 " National New Haven Bank, 


340 00 


10 " New York & New Jersey Tel. Co., 


850 00 




4 " Nat 1 ! Pipe Bending Co., New Haven 


400 00 , 






$7,937 50 


$5,600 00 


Summary of Assets Dec 


. 31, 1893. 




Cash value of unencumbered real estate, 


. $225,000 00 




Loans on mortgage of real estate (first liens*) 


36,000 00 




Interest due or accrued thereon, 


300 45 




Stocks and bonds, as per schedule, . 


. 9,098,124 00 




Loans on collateral security, as per schedule, 


5,600 00 




Cash in the office of the company, . 


5,923 04 




Cash deposited in bank, .... 


721,037 89 




Interest due and accrued, .... 


605 00 




Premiums in course of collection (gross), 


803,712 02 




Gross assets, ...... 


in one onn ac\ 




l.\J,KJt/\J^tJ\J£, 1\. 


Deduct special deposits in other States, . 


. 


254,070 00 




$10,642,232 40 


Liabilities. 






Losses adjusted, unpaid, 


$151,139 82 




claimed and reported, . 


324,759 41 




disputed or resisted, . 


57,750 30 




Total amount of losses, 


$533,649 53 




Less re-insurance, ...... 


13,868 66 




Net amount of unpaid losses, .... 


$519,780 87 






. $37,00C 


t no 




* i * ' 


Amount of insurance held as collateral, 


26,500 00 



.ETNA INSURANCE CO. 



129 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$3,094,157 85 

48,159 71 

1,000 00 

140,110 10 

80,382 68 

$3,883,591 21 
167,273 18 



£3,716,318 03 

^6,925,914 37 
4,000,000 00 



. $2,925,914 37 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Inland premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash inland premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 
Cash paid for inland losses, 
Cash dividends paid, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . , 



$684,447 95 
4,643,086 97 



1,327,534 92 
719,332 78 



$4,608,202 14 
708,965 81 



$3,899,236 33 



$78,670 98 
300,306 17 

$378,977 15 
84,379 24 



$294,597 91 
51,528 74 



sources, . 

.$4,848 82 



243,069 17 
1,960 00 

477,002 91 
3,882 11 



. $4,625,150 52 



$2,359,586 86 
163,224 67 
720,000 00 
694,204 82 
231,364 52 
67,986 60 
244,575 68 



$952 70 



$4,480,943 15 



130 



AGRICULTURAL INSURANCE CO. 



Risks and Premium-. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . 1447,054,358 00 $5,422,861 16 
Fire risks written during 1893, . . 367,530,187 00 4,643,086 97 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$814,584,545 00 $10,065,948 13 
317,782,223 00 4,042,792 10 



£496,802,322 00 $6,023,156 03 
24,348,295 00 293,493 26 



Net amount in force, .... $472,454,027 00 $5,729,662 77 

Perpetual risks in force (not included above), 2,217,750 00 50,694 43 



Inland risks outstanding Dec. 31, 1892, 
Inland risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$2,435,377 00 

74,354,077 00 

$76,789,454 00 

73,861,203 00 



$70,187 76 
300,306 17 



$370,493 93 
264,383 05 



$2,928,251 00 $106,110 88 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Inland losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (18 per cent.), 
Company's stock owned by directors, .... 



£126,803,727 00 

72,756,706 00 

2,469,211 00 

176,296 00 

20,753,365 00 

720,000 00 

382,600 00 



" AGRICULTURAL 1XSURANXE COMPANY," WATERTOWX, X. Y. 

[Incorporated, 1853.* Commenced business February, 1853.] 

Paid-up Capital, $500,000. 

JEAN R. STEBBINS, President. H. M. STEVENS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Canandaigua Water Works Company bonds, . ? 1,000 00 $ 1,000 00 

Union Pacific Railroad bonds 2,000 00 2,200 00 

City of Kingston bonds 143,200 00 154,656 00 

City of Richmond bonds, 25,000 00 25,000 00 

Dexter Sulphite Pulp & Paper Co. bonds, . 5,000 00 5,000 00 

New York Central & Hudson River Railroad, . 80,000 00 78,800 00 

Illinois Central Railroad stock, . . . 21,700 00 19,480 00 



* Organized as mutual 1853; incorporated as stock 1S63. 



AGRICULTURAL INSURANCE CO. 



131 



Western Union Telegraph stock, 
National Union Bank stock, 
Watertown National Bank stock, 
Excelsior Carriage Company stock, 
Underwriters 1 Salvage Company stock, 
Union Building & Loan Company stock, 



Securities held as collateral for cash loans : — 



Bagley & Sewall Company stock, . 
Trinidad Asphalt Paving Company stock, 
Watertown National Bank stock, 
Watertown Spring Wagon Company stock, 
Chicago & Alton Railroad stock, 
Western Union Telegraph stock, 
Watertown National Bank stock, 

Mortgage, 

First National Bank of Carthage stock, . 

Mortgages, 

Mortgage, 

New York Central & Hudson River R.R. stock 
Western Union Telegraph stock, 
Watertown National Bank stock, 
Real Estate & Building Company stock, . 



Par Value. 

$83,500 00 

13,600 00 

5,000 00 

2,500 00 

500 00 

10,000 00 



Market Value. 

$68,991 87 

22,100 00 

9,000 00 

2,500 00 

500 00 

10,000 00 



$393,000 00 $399,227 87 



Market Value. 

f 23,700 00 

16,150 00 

2,700 00 

7,700 00 

6,028 00 

1,652 50 

1,800 00 

4,075 00 

6,250 00 

6,400 00 

40,000 00 

2,955 00 

2,478 75. 

18,000 00 

1,250 00 

$141,139 25 



Loaned Thereon. 

$10,000 00 
8,000 00 
1,050 00 
7,000 00 
3,899 91 
950 00 

800 00 

5,000 00 
3,996 24 

• 16,174 49 

13,000 00 
1,000 00 



,870 64 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Due for re-insurance, .... 

Gross assets, 

Deduct special deposits in other States, . 



$294,801 32 

1,132,291 63 

51,350 86 

399,227 87 

70,870 64 

6,304 97 

193,426 54 

3,062 86 

147,474 60 

11,036 41 

2,828 49 



1,312,676 19 
177,928 00 



Balance, $2,134,748 19 



* Total value of property $2,676,285 00 



132 



AGRICULTURAL INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liabilit}- on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 



$40,870 01 

54,435 00 

22,425 61 

1,399,657 24 

55 00 

34,032 60 

$1,551,476 36 
112,097 66 
$1,439,378 70 



$695,369 49 
500,000 00 



Surplus over capital, $195,369 49 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Gross cash income, .... 



$140,238 47 
1,181,126 14 

$1,321,364 61 
158,511 01 



$1,162,853 60 
197,842 51 



sources, 



$965,011 09 

77,475 38 

29,756 47 

2,464 31 

$1,074,707 25 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance. 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$615,581 81 
22,959 94 



$592,621 87 

49,950 00 

190,369 54 

127,463 26 

23,998 24 

72,64S 39 



Gross cash expenditures, 



$1,057,051 30 



ALBANY INSURANCE CO. 133 

Risks and Premiums. 

c. 31, 1892, . $284; 
Fire risks written during 1893, . . 129,241,352 00 1,181,126 14 



Premiums. 

Fire risks outstanding Dec. 31, 1892, . $284,638,516 00 $2,792,696 51 



Total, $413,879,868 00 $3,973,822 65 

Deduct risks expired and terminated, . 125,921,908 00 1,147,774 80 



In force at end of year, .... $287,957,960 00 $2,826,047 85 
Deduct amount re-insured, . . . 7,556,260 00 78,679 00 



Net amount in force, . . . . $280,401,700 00 $2,747,368 85 

Miscellaneous. 

Premiums received from organization of company, . $17,474,795 00 

Losses paid from organization of company, . . . 8,441,632 00 

Fire losses incurred during the year, .... 594,603 00 

Cash dividends declared from organization of company, 980,000 00 

Dividends declared during the year (10 per cent.), . 50,000 00 

Company's stock owned by directors, .... 206,500 00 



« ALBANY INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated March 8, 1811. Commenced business March 16, 1811. Reorganized June 1, 1881.] 

Paid-up Capital, $250,000. 
JOHN HOWARD KING, President. RICHARD V. DE WITT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Watervliet Turnpike and Railroad bonds 
Northern Pacific Railroad bonds, 
Albany & Susquehanna Railroad bonds, 
West Shore Railroad bonds, 
New York Central Railroad bonds, 
Wabash Railroad Company bonds, . 
Municipal Gas bonds, Albany, N. Y., 
Union Railroad Company bonds, 



$6,000 00 86,900 00 

20,000 00 22,200 00 

25,000 00 29,450 00 

41,000 00 41,615 00 

34,000 00 35,907 50 

6,000 00 6,000 00 

1,000 00 1,120 00 

10,000 00 10,100 00 



$143,000 00 $153,292 50 



Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate (first liens*), $245,105 50 
Interest due or accrued thereon, . . . 3,110 88 



* Value of lands mortgaged $194,750 00 

Value of buildings thereon, 394,850 00 

Amount of insurance held as collateral 273,050 00 



134 



ALBANY INSURANCE CO. 



Stocks and bonds, as per schedule, . 
Cash in the office of the conipan\*, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross) , 

Re-insurance, etc., 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
State and local taxes, 
Commissions and brokerage, . 
Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Xet collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Gross cash income, .... 

Expenditures 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes,. 
for incidentals, .... 



$153,202 50 

G,871 19 

14,008 77 

209 33 

3,474 42 

1,992 82 



$8,52' 7 : 

10,242 50 

93,186 17 

508 32 

3,449 16 

614 24 



$3,460 39 
26 40 

$3,433 99 
153,692 89 



$157,126 88 
3,474 42 



§153,652 46 
18,829 92 



sources, 



8108,122 34 
5,541 47 



$428,005 41 



116,581 13 

$311,484 28 
250,000 00 

$61,484 28 



$134,822 54 

12,798 34 

6,897 88 

4,096 85 

$158,615 61 



$102,580 87 

20,000 00 

26,146 83 

10,827 69 

6,609 69 

4.7l<7 7S 



Gross cash expenditures, 



$170,962 86 



AMERICAN INSURANCE CO. 



135 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



. $15,747,807 00 
. 14,958,768 00 



. $30,706,575 00 
. 12,630,197 00 



Premiums. 

$149,305 72 
153,692 89 



$302,998 61 
121,307 87 



.$18,076,378 00 $181,690 74 
549,836 00 5,192 67 



. $17,526,542 00 $176,498 07 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from re-organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$1,144,801 00 

627,073 00 

113,325-00 

i 260,000 00 

20,000 00 

57,650 00 



"AMERICAN INSURANCE COMPANY," NEWARK,^. J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.] 

Paid-up Capital, $600,000. 

F. H. HARRIS, President. JAMES H. WORDEN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $100,000 00 $113,000 00 

North Hudson County, N. J , Railroad bonds, . 100,000 00 103,000 00 

United New Jersey R.R. Canal Co. bonds, . 50,000 00 52,000 00 

Morris & Essex Railroad bonds, . . . 61,000 00 83,875 00 

Lehigh Valley Railroad bonds, . . . 110,000 00 117,700 00 

Long Dock mortgage bonds, .... 80,000 00 99,600 00 



$501,000 00 $569,175 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $257,057 13 

Loans on mortgage of real estate (first liens*), 1,389,303 75 

Interest due or accrued thereon, . • . 22,517 54 

Stocks and bonds, as per schedule, . . . 569,175 00 

Cash in the office of the company, . . . 2,626 85 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$3,578,835 00 
1,681,025 00 



136 



AMERICAN INSURANCE CO. 



Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross) , 

Rents due and accrued, 

American Insurance Co. stock, $70,000 00 

Premiums more than 3 months due, 896 41 
Gross assets, . . . 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Dividends to policy-holders unpaid, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire j>remiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, .... 

Gross cash income, 



$48,464 43 

7,097 50 

44,859 95 

1,836 92 



$2,342,939 07 



$12,324 85 

49,942 70 

3,500 00 

$65,767 55 
11,882 42 

$53,885 13 

501,846 18 

4,480 40 

2,627 00 

9,138 95 



571,977 66 

. $1,770,961 41 
600,000 00 

. $1,170,961 41 



$51,328 90 
460 90 

$50,868 00 
698,206 57 

8749,074 57 
45,756 36 

6703,318 21 
130,142 08 



,176 13 

70,473 98 

29,856 89 

2,776 69 

$676,283 69 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 



8370,772 37 
36,986 41 



§333,785 96 






AMERICAN CENTRAL INSURANCE CO. 



137 



Cash dividends paid to stockholders, 
Cash dividends paid to policy-holders, 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



113,214,373 00 
74,484,080 00 



),246 50 

2,247 00 

109,706 14 

49,171 12 

23,515 58 

37,884 66 

$616,556 96 

Premiums. 

$965,910 18 
698,206 57 



$187,698,453 00 $1,664,116 75 
74,285,315 00 651,948 36 



$113,413,138 00 
3,978,132 00 



,012,168 39 
44,199 00 



$109,435,006 00 $967,969 39 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



58,275,678 00 

3,317,019 00 

337,105 00 

1,918,710 00 

60,000 00 

46,390 00 



"AMERICAN CENTRAL INSURANCE COMPANY," 
ST. LOUIS, MO. 

[Incorporated February, 1853. Commenced business February, 1853.] 

Paid-up Capital, $600,000. 

-GEORGE T. CRAM, President. CHARLES CHRISTEN3EN, Secretary. 



Detailed Statement of Stocks and Bonds. 



St. Louis Merch's Bridge Co. bonds, 

North Missouri Railway bonds, 

Laclede Gas Company bonds, . 

St. Louis, C. B. & O. Railway bonds, 

St. Louis County Park bonds, . 

Jerseyville, 111., bonds, .... 

Missouri Electric Light and Power Co. bonds, 

Norborne, Mo., school bonds, . 

School Dist. No. 1, Cass Co., 111., bonds, . 

Madison County, 111., ferry bonds, . 

De Soto, Mo., city funding bonds, . 

Peirce City, Mo., school bonds, 

Lafayette County, Mo., funding bonds, . 



Par Value. 

$135,000 00 

27,000 00 

23,000 00 

18,000 00 

15,000 00 

15,000 00 

10,000 00 

8,000 00 

10,000 00 

4,000 00 

3,500 00 

1,300 00 

700 00 



Market Value. 

$132,000 00 

28,000 00 

19,000 00 

20,000 00 

18,000 00 

15,000 00 

10,000 00 

8,000 00 

10,000 00 

4,000 00 

3,500 00 

1,300 00 

700 00 



138 



AMERICAN CENTRAL INSURANCE CO. 



Nat'l Bank of Commerce, St. Louis, stock, 
Commercial Bank, St. Louis, stock, 
Third National Bank, St. Louis, stock, 
Mechanics' Bank, St. Louis, stock, . 
Boatmen's Bank, St. Louis, stock, . 
Laclede Gas Company, St. Louis, stock, 



Securities held as collateral for cash loans 

Laclede Building Company bonds, . 
St. Louis Real Estate Company bonds, . 
300 shares American Brake Company, 
Missouri Elec. Li^ht & Power Co. bonds, 
500 shares B'dway Real Estate Company, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross) 

Gross assets, .... 
Deduct special deposits in other States, 



Par Value. 

$180,000 00 
25,000 00 
23,200 00 
11,100 00 
10,000 00 
4,800 00 



Market Value. 

$234,000 00 
65,000 00 
26,000 00 
27,000 00 
16,000 00 
3,000 00 



$524,600 00 $640,500 00 



Market Value. 

$50,000 00 
24,000 00 
18,000 00- 
15,000 00 
50,000 00 



Loaned Thereon. 

$45,000 00 
15,000 00 

47,000 00 



Liabilities. 



Balance, 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risk; 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$157,000 00 $107,000 00 

31, 1893. 

f500,000 00 

125,000 00 

640,500 00 

107,000 00 

2,616 62 

99,448 48 

97,738 07 

$1,572,303 17 

50,000 00 



f 1,522,303 17 



$27,579 79 
98,917 02 
26,718 70 

$153,215 51 
11,965 51 

$141,250 00 

653,469 12 

14,660 71 

$809,379 83 
3,789 62 



805,590 21 

8716,712 96 
600,000 00 

$116,712 96 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$593,500 00 

544,000 00 

•25,000 00 



AMERICAN CENTRAL INSURANCE CO. 



139 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



$123,387 32 
1,001,731 35 

51,125,118 67 
97,738 07 



Entire premiums collected, .... $1,027,380 60 
Less re-insurance and return premiums, . . 203,327 29 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rent, 



Gross cash income, 



$824,053 31 
47,230 86 
25,583 18 



$896,867 35 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



>75,922 46 
40,745 70 



$535,176 76 

60,000 00 

132,103 44 

61,423 39 

17,169 53 

90,091 62 



$895,964 74 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$98,287,340 00 $1,195,144 70 
79,355,126 00 1,001,731 3& 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$177,642,466 00 $2,196,876 05- 
72,735,243 00 914,176 95 



$104,907,223 00 $1,282,699 10 
3,700,530 00 48,528 21 



$101,206,693 00 $1,234,170 89 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$14,739,654 00 

7,604,004 00 

586,954 00 

1,046,412 00 

60,000 00 

56,250 00 



140 



AMERICAN FIRE INSURANCE CO. 



( "AMERICAN FIRE INSURANCE COMPANY," NEW YORK, X. Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 



Paid-up Capital, $400,000. 



DAVID ADEE, President. 



WM. H. CROLIUS, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 

St. Louis & Iron Mountain Railroad bonds, 

West Shore Railroad bonds, 

Lake Gas Company (Chicago) bonds, 

Western Union Telegraph bonds, . 

Consolidated Gas Company stock, . 

Rensselaer & Saratoga Railroad stock, . 

National Bank of Commerce stock, 

American Exchange National Bank stock, 

Bank State of New York stock, 

Merchants 1 National Bank stock, 

Third National Bank stock, 

Phoenix National Bank stock, . 

Mercantile Trust Company stock, 

Delaware & Hudson Canal Company stock, 

Manhattan Railway Company stock, 

Western Union Telegraph stock, 

Lake Shore & Michigan Railway stock, . 

Pittsburgh, McKeesport & Y. Railroad stock, 

Standard Gas Company stock, . 

Pennsylvania Railroad stock, . 

Chicago & Northwestern Railway stock, 

St. Paul, Minneapolis & Manitoba R.R. stock, 

Baltimore & Ohio Railroad stock, . 

City of Richmond bonds, .... 



and Bonds. 

Par Value. 

6225.000 00 
10,000 00 
25,000 00 
30,000 00 
40.000 00 
71,000 00 
40,000 00 
10,000 00 
35,000 00 

6,000 00 
20,000 00 
10,000 00 

4,000 00 
10,000 00 
30,000 00 
50,000 00 
55,000 00 
40,000 00 
35,000 00 
15,000 00 
40,800 00 
20,000 00 
20,000 00 
50,000 00 
20,000 00 



Market Value. 

$255,375 00 
7,800 00 
25,500 00 
31,200 00 
42,800 00 
89,460 00 
72,000 00 
18,000 00 
52,500 00 
6,600 00 
30,000 00 
11,200 00 
5,000 00 
35,500 00 
39,900 00 
62,000 00 
46,200 00 
49,200 00 
43,750 00 
13,500 00 
39,984 00 
20,000 00 
21,400 00 
37,500 00 
19,400 00 



Securities held as collateral for cash loans : — 

60 shares Union Trust Company, . 
262 shares Hackensack Water Company, 



8911,800 00 11,075,769 00 



Market Value. Loaned Thereon. 

$48,000 00 $31,000 00 
7,205 00 3,000 00 



855,205 00 $34,000 00 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens*), $20,500 00 
Interest due or accrued thereon, . . . 210 .83 



♦Value of lands mortgaged $33,500 00 

Value of buildings thereon, 20,500 00 

Amount of insurance held as collateral 20,500 00 



AMERICAN FIRE INSURANCE CO. 



141 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Gross assets,* 

Deduct special deposits in other States, . 

Balance, 



,075,769 00 
34,000 00 
33,758 84 
22,139 09 
15,410 83 

309,218 57 
1,563 12 



$1,512,570 28 
47,775 00 



,464,795 28 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc , 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital and scrip, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . .* . 

Scrip outstanding, not ordered to be redeemed, 



Surplus over capital and scrip, . 



$79,956 57 

83,499 29 

733,804 09 

2,247 00 

7,086 81 

4,668 10 

1,940 14 

31,926 67 

28,623 39 



$973,752 06 
38,048 05 



$400,000 00 
83,675 80 



935,704 01 



$529,091 27 



483,675 80 



$45,415 47 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, . 



$322,042 38 
1,828,264 20 

$2,150,306 58 
309,218 57 

$1,841,088 01 
341,175 17 



sources, 



$1,499,912 84 

1,067 24 

55,102 34 



. $1,556,082 42 



* Including $200,000. Special reserve fund held under New York law. 



142 



AMERICAN FIRE IN8URANCE CO. 



EXPENDITURES. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . - 

Cash dividends paid, 

Cash paid for redemption of scrip, . 
Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



fl.218,631 20 

118,391 -41 



Gross cash expenditures, . 

Risks and Pi 

Fire risks outstanding Dec. 31, 1892. 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



? 1,100,239 85 

40,000 00 

44 00 

2,049 36 

294,599 30 

100,711 99 

25,793 15 

110,631 52 

? 1,674,069 17 



EMIUMS. 

Premiums. 

1166,875,860 00 $1,874,55 
159,298,036 00 1,828,264 20 



$326,173,896 00 $3,702,814 27 
172,836,589 00 1,967,239 57 



$153,337,307 00 $1,735,574 70 
29,494,770 00 335,885 02 



§123,842.537 00 $1,399,689 68 



MlSCELLANEOl 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during 1 the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$11,372,442 00 

l'4,118 00 

1,103,904 00 

1,396,000 00 

40,000 00 

119,800 00 



"AMERICAN FIRE INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated Feb. 28, 1S10. Commenced business March 12, 1810.] 

Paid-up Capital, $500,000. 

THOS. H. MONTGOMERY, President. RICHARD MARIS, S~:retary. 



Detailed Statement of Stock: 



Steubenville & Indiana Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Belt Road and Stock Yard bonds, . 
Chicap-o & Western Indiana Railroad bonds, 
Philadelphia & Reading Railroad bonds, 



and Bonds. 

Par Value. 

-521,000 00 
20,000 00 
20,000 00 
23,000 00 
62,000 00 



M.irket Value. 
?22,050 00 

23,300 00 
20,880 00 
24,150 00 
41,695 00 



AMERICAN FIRE INSURANCE CO. 



143 



Shamokin Valley & Pottsville R.R. bonds, 
North Pennsylvania Railroad bonds, 
Virginia & Tennessee Railroad bonds, . 
Georgia State bonds, .... 

Delaware & Chesapeake Railroad bonds, 
Huntingdon & Broad Top Mt. R.R. bonds, 
Huntingdon & Broad Top Mt. R.R. car trust, 
Corning, Cowanesque & Antrim R.R. bonds, 
Philadelphia & Reading Railroad bonds, 
Lehigh Valley Railroad bonds, 
Mortgage Trust Company, Pa., bonds, . 
Middlesex Banking Company bonds, 
Allegheny Valley Railroad bonds, . 
[Northern Central Railroad bonds, . 
Pitts., Cin., Chic. & St. Louis R.R. bonds, 
Springfield water bonds, .... 
United Electric Securiters 1 bonds, . 
Terre Haute & Logansport Railroad bonds, 
Northern Pacific & Montana Railroad bonds, 
Penn. and New York Canal & Railroad bonds 

Portland city bonds 

N. W. Guaranty Loan Company bonds, . 
Lehigh Valley Railroad bonds, 
Lehighton water bonds, .... 
Wheeling & Lake Erie Exten. Imp. R.R. bonds 
Sunbury, Hazelton & Wilkesbarre R.R. bonds 
Pittsburg, Cincinnati & St. Louis R.R. bonds, 
Buffalo Street Railroad bonds, . 
Hughesville water bonds, 
Camden & Atlantic Railroad bonds, 
Pittsburgh, Chartiers & Yough. bonds, 
Omaha Loan & Trust Company, 
Norfolk & Western Railroad car trust, 
Ashtabula & Pittsburgh Railroad, . 
Seaford & Roanoke Railroad, . 



Securities held as collateral for cash loans : — 

Lehigh Coal and Navigation Company, . 

10 shares First Nat'l Bank of Hughesville, Pa., 



Par Value. 

$20,000 00 
51,000 00 
25,000 00 
25,000 00 

5,000 00 
10,000 00 
10,000 00 
13,000 00 
25,000 00 
51,000 00 
25,000 00 
25,000 00 

1,000 00 
25,000 00 
30,000 00 
10,000 00 
10,000 00 
25,000 00 
30,000 00 
50,000 00 
50,000 00 
35,000 00 
40,000 00 

5,000 00 
15,000 00 
10,000 00 
30,000 00 
20,000 00 
17,000 00 
15,000 00 
10,000 00 
10,000 00 
12,000 00 
15,000 00 
20,000 00 



Market Value. 

$23,000 00 
65,025 00 
27,500 00 
29,250 00 

4,483 34 
10,150 00 
10,208 34 
13,260 00 
25,875 00 
61,965 00 
25,520 84 
25,625 00 

1,080 00 
28,500 00 
30,300 00 
10,150 00 

9,458 34 
27,000 00 
10,500 00 
54,000 00 
57,500 00 
35,600 00 
38,950 00 

5,125 00 
14,562 50 
10,250 00 
34,800 CO 
19,400 00 
17,085 00 
17,400 00 

9,250 00 
10,200 00 
11,610 00 
17,100 00 
21,250 00 



1916,000 00 $945,038 36 

Market Value. Loaned Thereon. 

$3,900 00 $2,500 00 

1,150 00 800 00 



$5,050 00 $3,300 00 



Summary of Assets Dec. 31, 1893. 
Cash value of unencumbered real estate, . $258,063 56 
Loans on mortgage of real estate (first liens*) , 1,188,300 00 



* Value of lands mortgaged $1,338,707 00 

Value of buildings thereon, 1,463,100 00 

Amount of insurance held as collateral 969,182 00 



144 



AMERICAN' FIRE INSURANCE CO. 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



$21,015 68 

945,038 36 

3,300 00 

14,209 13 

75,502 68 

92 23 

194,535 99 

8,857 36 



$2,708,914 9£ 
86,750 00 



Balance, $2,622,164 99 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risk* 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, .... 



$71,525 59 
263,030 28 

24,773 17 

1,185,135 48 

559,423 22 

28,053 51 



$2,131,941 25 
10,692 95 



Surplus over capital, 



2,121,248 30 

$500,916 69 
500,000 00 

$916 69 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rent, 

Income from net perpetual premiums, . 
Deposits received for perpetual fire risks, 



$114,397 27 
17,159 59 

$97,237 68 
2,710,989 78 

$2,808,227 40 
194,535 99 

$2,613,691 47 
828,149 91 



sources, 



$1,785,541 56 
66,113 67 
54,721 19 
15,056 46 
15,861 28 



$34,583 81 



Gross cash income, 



. $1,937,294 16 



ATLANTIC MUTUAL INSURANCE CO. 



145 



.,769,294 75 

25,460 00 

361,520 30 

110,006 72 

43,592 17 

164,810 78 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, $291,482,395 00 $ 3,200,864 18 

Fire risks written during 1893, 



$19,527 35 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



. f2,474,684 72 



288,557,965 00 2,710,989 78 



£580,040,360 00 $5,911,853 96 
367,982,888 00 3,390,822 77 



$212,057,472 00 $2,521,031 19 
8,592,263 00 91,309 19 



Net amount in force, .... $203,465,209 00 $2,429,722 00 
Perpetual risks in force (not included above) , 23,066,874 00 610,522 91 



Miscellaneous. 
Premiums received from organization of company,' 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), . 
Company's stock owned by directors, .... 



$26,753,606 00 

15,991,199 00 

1,661,783 00 

2,646,436 00 

25,000 00 

24,400 00 



" ATLANTIC MUTUAL INSURANCE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April 11, 1842. Commenced business July 1, 1842.] 
JOHN D. JONES, President. JOSEPH H. CHAPMAN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value.* 

American Exchange Bank stock, . . . $76,800 00 $76,800 00 

Bank of America stock, . . . 100,000 00 100,000 00 

Bank of Commerce stock, .... 64,100 00 64,100 00 

Bank of New York stock, 73,300 00 73,300 00 



* Estimated for the purpose of permanent investment. 



146 



ATLANTIC MUTUAL INSURANCE CO. 



Leather Manufacturers' Bank stock, 

Merchants' Bank stock, 

Mechanics' Bank stock, 

Manhattan Company stock, 

Market <Si Fulton Bank stock, . 

Phenix Bank stock, . 

Atlantic Trust Co. stock, . 

Consolidated Gas Company stock, 

New York County bonds, . 

New York City bonds, 

Long Island Railroad Company stock, 

N. Y. Central & Hudson River Railroad bonds 

New York Central Railroad bonds, . 

New York, Lake Erie & Western R.R. bonds 

New York, Chicago & St. Louis R.R. bonds, 

West Shore Railroad bonds, 

Brooklyn & Montauk Railroad bonds, 

Seattle, Lake Shore & Eastern Railway bonds 

Brooklyn City Park bonds, 

Jersey City water bonds, .... 

District of Columbia bonds, 

United States bonds, . 



Par Value. 

$15,600 00 

70,150 00 

47,075 00 

18,000 00 

30,000 00 

71,340 00 

100,000 00 

50,000 00 

100,000 00 

213,100 00 

25,000 00 

660,000 00 

139,000 00 

100,000 00 

200,000 00 

200,000 00 

75,000 00 

100,000 00 

122,000 00 

100,000 00 

369,000 00 

5,560,000 00 



Market Value. 

$15,600 00 

70,150 00 

47,675 00 

18,000 00 

30,000 00 

71,340 00 

200,000 00 

50,000 00 

100,000 00 

195,190 00 

20,000 00 

528,000 00 

111,200 00 

90,000 00 

150,000 00 

150,000 00 

60,000 00 

50,000 00 

109,800 00 

100,000 00 

258,300 00 

5,254,000 00 



$8,680,065 00 § 7,993,455 00 



Securities held as collateral for cash loans : — 



Fourth National Bank stock, . 

Consolidated Gas Co. of New York stock, 

Atlantic Trust Company stock, 

N. Y. & East River Ferry Company bonds, 

Union Ferry Company stock, . 

Christopher & 10th Street Railroad Co. stock, 

N. Y. Central & Hudson River Railroad stock, 

Chicago Gas Company stock, . 

Mahoning Coal Railroad Company stock, 

National City Bank stock, 

Mobile & Ohio Railroad Company bonds, 

Oregon Short Line & Utah Northern bonds, 

Atlantic Dock Company bonds, 

Bank of New York stock, 

Col., Hock. Valley & Toledo R'y Co. bonds, 

New York & Harlem Railroad Co. stock, 

Delaware, Lackawanna & Western R.R. stock 

Great Northern Railway stock, 

Chicago Gas Company stock, . 

Iowa Central Railway Company bonds, . 

Milwaukee & St. Paul Railway Co. bonds, 

General Electric Company bonds, . 



Loaned Thereon. 



I $22,000 00 



1 



J 



1 



10,000 00 
10,000 00 



Market Value. 

$20,000 00 
28,125 00 
11,250 00 

5,000 00 ')■ 20,000 00 

7,500 00 
12,400 00 
14,700 00 

6,500 00 

5,000 00 

6,000 00 | 

4,640 00 [ 25,000 00 

2,500 00 ' 

5,000 00 

2,300 00 
13,350 00 
78,000 00 
40,000 00 l 
20,600 00 j 

65,000 00 }> 200,000 00 
18,060 00 ' 

6,050 00 
32,400 00 



10,000 00 



1 



) 



ATLANTIC MUTUAL INSURANCE CO. 



147 



N. Y. Central & Hudson River R.R. stock, 
Lake Erie & Western Railroad stock, 
Central & South American Tel. Co. stock, 
Chicago, St. Paul, Minn. & Omaha R'y stock, 
General Electric Company bonds, . 
Manhattan Railway Company stock, . 
Great Northern Railway stock, 
Mexican Telegraph Company stock, . . 
Mil., Lake Shore <& Western Railway bonds, 
Union Pacific Railroad Company bonds, . 
Jersey City Water bonds, 

Quincy (111.) city bonds 

Vicksburg & Meridian Railway bonds, . 
Texas & Pacific Railway Company bonds, 
Rio Grande & Western Railway Co. bonds, 

Mobile city bonds, 

South Carolina Railway bonds, 
General Electric Company bonds, . 
Oregon Railway & Navigation bonds, 
Manhattan Railway stock, 
Lake Shore & Mich. So. Railway stock, 
Lake Erie & Western Railroad stock, 
Chicago Gas Company stock, . 
Central & South American Tel. Co., 
American Bell Telephone Company stock, 
National Bank of Commerce stock, 
Chicago & North Western Railway stock, 
New York Central & Hudson Riv. R.R. bonds 
Chicago, Milwaukee & St. Paul R'y bonds, 
Rensselaer & Saratoga Railway bonds, . 
Lake Erie & Western Railroad bonds, . • 
International & Great Northern R'y bonds, 
Bur., Cedar Rapids & Northern R'y bonds, 
Eastern Railway Co. of Minnesota bonds, 
Montana Central Railway bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago Junction Railway bonds, . 



Market Value. 

$9,800 00 

32,000 00 a 

20,000 00 ! 

10,000 00 I 

9,360 00 J 

61,000 OO^j 

10,300 00 

18,500 00 

11,660 00 

1,030 00 

1,130 00 

1,000 00 

2,000 00, 

6,660 00 

700 00 

820 00 

1,050 00 

26,640 00 

5,000 00 J 

12,200 00^ 

6,100 00 

44,800 00 

71,500 00 

10,000 00 

12,663 00 

2,550 00 

4,000 00 

31,000 00 

13,480 00 

7,000 00 

4,400 00 

5,500 00 

8,240 00 

5,100 00 

4,900 00 

7,840 00 

6,000 00 J 



Loaned Thereon. 

$5,000 00 



50,000 00 



j> 200,000 00 



} 200,000 00 



$890,298 00 $752,000 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . f 760,000 00 

Stocks and bonds, as per schedule, . . . 7,993,455 00 

Loans on collateral security, as per schedule, . 752,000 00 
Cash deposited in bank and with English bankers, -1,432,429 20 

Notes taken for marine and inland risks, . 1,117,174 29 

Gross assets, .•..,, 



■$12,055,058 49 



148 



ATLANTIC MUTUAL INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, .... 
disputed or resisted, .... 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 

"Return premiums, 

Miscellaneous, 

Gross liabilities, except scrip, . 

Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 

Surplus over scrip, . 



$128,335 03 

1,750,013 97 

27,000 00 

1,106,515 77 

242,000 00 

10,855 65 

137,109 09 

18,950 :>- 



- $3,426,780 08 

. $8,628,278 41 
. 6,930,910 00 

. $1,697,368 41 



Income. 

Cash received for marine premiums, . . $3,469,514 95 
Less re-insurance and return premiums, . . 350,033 55 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 
Income from rents, 



$3,119,481 40 

539,618 91 

41,939 93 



Gross cash income, $3,701,040 24 



Expenditures. 

Cash paid for marine and inland losses, . . $ 1,892,970 00 
Deduct salvage and re-insurance, . . . 33,623 49 

Xet cash paid for marine and inland losses, . $1,859,346 51 

Cash paid for redemption of scrip, 1,284,460 00 



Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

Gross cash expenditures, .... 

Risks and Premiums. 



413,824 20 

20,250 96 

406,613 78 

40,938 06 

. $4,025,433 51 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



Premiums. 

$121,583,780 00 $1,403,200 31 
423,644,227 00 3,193,868 16 



$545,228,007 00 $4,597,068 47 
437,820,109 00 3,490,552 70 



f 107,407,898 00 $1,106,515 77 



Miscellaneous. 
Marine and inland losses incurred during the year, estimated, $1,744,981 00 



BUFFALO GERMAN INSURANCE CO. 



149 



" BUFFALO GERMAN INSURANCE COMPANY," BUFFALO, N. Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

PHILIP BECKER, President. OLIVER J. EGOERT, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

. $330,000 00 
36,250 00 
25,000 00 
29,453 31 



Buffalo city bonds, 

Buffalo & Southwestern Railroad bonds, . 
Tonawanda Gas Company bonds, . 
Buffalo city warrants, .... 



Market Value. 

$330,000 00 
36,250 00 
25,000 00 
29,453 31 



$420,703 31 $420,703 31 



Securities held as collateral for cash loans : 

Third National Bank of Buffalo stock, . 
German Bank of Buffalo stock, 
Citizens' Gas Company, Buffalo, bonds, . 
Buffalo Street Railroad Company bonds, 
German Bank, Buffalo, stock, . 
Buffalo Loan, Trust and Safe Deposit Co. stock 
German Bank, Buffalo, stock, . 
Co-operative Stove Company, Buffalo, stock, 
Co-operative Brewing Co., Buffalo, stock, 
Board of Trade, Buffalo, stock, 
German American Bank, Buffalo, stock, . 
Merchants' Bank, Buffalo, stock, 
Western National Bank, N. Y. City, stock, 
Citizens' Gas Company, Buffalo, bonds, . 
Union Fire Insurance Co., Buffalo, stock, 
Alliance Ins. Association, N. Y. City, stock, 
Exchange Elevator Company, Buffalo, stock, 
Cataract Bank, Niagara Falls, stock, 
Carter-Crume Company, Niagara Falls, stock 
Third National Bank, Buffalo, stock, 
Delaware and Hudson Canal Company bonds 
Beck Brewing Company, Buffalo, stock, . 



Market Value. 

$7,000 00 \ 

12,000 00 i 

40,000 00 

10,000 00 

12,000 00 

5,000 00 ^ 

4,000 00 ' 

1,000 00 , 

3,500 00 j 

2,970 00^ 



Loaned Thereon. 

$10,000 00 

32,000 00 
8,000 00 
6,000 00 

7,000 00 



3,125 00 

12,500 00 

12,000 00 J 

4,000 00 

1,100 00 

900 00 

1,000 00 

3,750 00 

10,500 00 

91,000 00 

2,000 00 

9,000 00 



} 26,000 00 

2,000 00 

1,000 00 

5,500 00 

75,000 00 

1,800 00 

5,000 00 



$248,345 00 $179,300 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $300,000 00 

Loans on mortgage of real estate (first liens*), 573,335 00 

Interest due or accrued thereon, . . . 4,970 65 



* Value of lands mortgaged, $912,705 00 

Value of buildings thereon, 695,975 00 

Amount of insurance held as collateral, .... 416,250 00 



150 



BUFFALO GERMAN INSURANCE CO. 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Gross assets,* 



$420,703 31 

179,300 00 

1,314 93 

74,664 48 

3,752 49 

69,448 42 

1,684 31 

2,212 47 



$1,631,386 06 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$6,552 03 

33,589 55 

2,816 84 

370,698 51 

12,179 72 



425,836 65 



. $1,205,549 
200,000 



41 
00 



$1,005,549 41 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rent, 

Income from brokerage, .... 



Gross cash income, 



Expenditures. 



Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash dividends paid, 



$58,171 04 
46 35 

$58,124 69 
572,709 53 

$630,834 22 
69,448 42 

$561,385 80 
105,165 93 



sources, 



$266,603 71 
7,459 36 



$456,219 


87 


31,275 


32 


22,892 


54 


19,679 


11 


3,203 


79 



$533,270 63 



8259,144 
40,000 



35 
00 



* Including $200,000 special reserve fund held under New York law. 



THE CAPITAL FIRE INSURANCE CO. 



151 



Cash paid for commissions and brokerage, .... $98,188 84 

for salaries of officers and employees, . . . 23,137 30 

for State and local taxes, 8,179 22 

for incidentals, 21,838 12 

for expenses on real estate, 11,638 58 

Gross cash expenditures, $462,126 41 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . .$65,066,959 00 $693,959 05 
Fire risks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. 51,191,330 00 572,709 53 



$116,258,289 00 $1,266,668 58 
. 47,719,977 00 533,972 55 



$,538,312 00 $732,696 03 
. 2,515,905 00 25,210 44 



.$66,022,407 00 $707,485 59 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, .... 



J7.32o.249 00 

3,770,405 00 

276,843 00 

785,925 00 

40,000 00 

60,500 00 



"THE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N.H.," 

CONCORD, N. H. 

[Incorporated March 10, 1886. Commenced business March 19, 1886.] 

Paid-up Capital, $200,000. 

LYMAN JACKMAN, President. CHARLES L. JACKMAN, Assistant Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Portsmouth, N. H., bonds, .... $40,000 00 $41,200 00 

Dover, N. H., bonds, 26,000 00 26,780 00 

Concord, N. H., bonds, 25,000 00 25,750 00 

Concord & Montreal Railroad bonds, . . 10,000 00 10,000 00 

New Hampshire Trust Company bonds, . . 6,500 00 5,200 00 

Iowa Loan & Trust Company bonds, . . 5,000 00 5,000 00 

Muscarine Mortgage & Trust Company bonds, 5,000 00 5,000 00 

Streeter, 111., Aqueduct Company bonds, . 5,000 00 5,050 00 

City Water Company, Merrill, Wis., bonds, . 5,000 00 5,000 00 

Clinton, Iowa, Water Works bonds, . . 5,000 00 5,000 00 



152 



THE CAPITAL FIRE INSURANCE CO. 



City Water Company, Sheboygan, Wis., bonds 
Windsor Land & Investment Company bonds 
Spokane & Palouse Railroad Company bonds 
City Water Co., Chattanooga, Tenn., bonds, 
Central Loan & Debenture Company bonds, 
Winfield Water Company bonds, 
Xenia Water Company bonds, 
Johnson Loan & Trust Co., Ark. City, Kan., b's 
Grand Forks Gas & Electric Company bonds, 
Davidson Investment Company bonds, . 
Wichita, Kansas, Water Company bonds, 
Metropolitan West End Railroad Company, 
Nebraska Loan & Trust Company bonds, 
Kingman, Kansas, Water Company bonds, 
50 shares C. & M. Railroad, 
25 " Amory Manufacturing Company, 
25 " Page Belting Company, . 
25 " Prescott Piano Company, . 

1 ghare Amoskeag Manufacturing Company 

2 shares Nashua Manufacturing Company, 
15 " Atchison, Topeka & Santa Fe R.R., 

2 " West Side Construction Co., Chicago 



I'ar Value. 

$5,000 00 
5,000 00 
5,000 00 
5,000 00 
4,000 00 
3,000 00 
3,000 00 
2,500 00 
2,500 00 
2,000 00 
2,000 00 
2,000 00 
1,000 00 
1,000 00 
5,000 00 
2,500 00 
2,500 00 
2,500 00 
1,000 00 
1,000 00 
1,500 00 
200 00 



Market Value. 

$5,000 00 
5,000 00 
5,000 00 
5,000 00 
4,000 00 
2,250 00 
3,000 00 
2,250 00 
2,500 00 
500 00 
2,000 00 
2,040 00 
1,000 00 
1,000 00 
8,500 00 
3,000 00 
2,500 00 
2,500 00 
1,800 00 
1,000 00 
157 50 
200 00 



$191,700 00 8194,177 50 



Securities held as collateral for cash loans : - 

1 share Amoskeag Manufacturing Company, 
25 shares Concord Manufacturing Company, . 



Market Value. Loaned Thereon. 



$1,800 00 
5,000 00 



$1,500 00 
2,000 00 



$6,800 00 $3,500 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Gross assets, 



31, 1893. 

$65,000 00 

75,798 00 

1,212 84 

194,177 50 

3,500 00 

3,149 58 

25,619 66 

1,335 83 

42,859 51 

43,561 26 



$456,214 18 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$S2,491 00 

134,590 00 

66,300 00 



THE CAPITAL FIRE INSURANCE CO. 



153 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, . 
Less re-insurance, . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, 
Commissions and brokerage, . 
Return premiums, 
Miscellaneous, .... 
Account of new building, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, . . . 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1893 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents and incidentals, 

Income from borrowed money, 

Gross cash income, 



$17,619 78 
15,294 25 

$32,914 03 
572 81 

f32,341 22 

148,920 34 

150 00 

29,000 00 

8,007 72 

3,177 92 

422 50 

25,000 00 



$18,430 93 
367,442 60 



$385,873 53 
42,859 51 



$343,014 02 
72,048 35 



sources, 



$18,800 00 



$247,019 70 

$209,194 48 
200,000 00 

$9,194 48 



$270,965 67 
4,721 33 
9,564 17 
2,791 77 

$288,042 94 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash j:>aid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for borrowed money returned, . 

Gross cash expenditures, .... 



,521 05 
5,498 22 



$17,800 00 



1185,022 83 

12,000 00 

69,221 60 

4,641 22 

6,009 35 

12,871 37 



,766 37 



154 



citizens' INSURANCE CO. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

.$13,356,510 00 $182,364 70 
. 27,058,344 00 367,442 60 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, . 



840,414,854 00 $549,807 30 
15,816,112 00 207,820 24 



.$24,598,742 00 $341,987 06 
. 3,840,544 00 53,977 46 



. $20,758,198 00 $288,009 60 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent), . 
Company's stock owned by directors, .... 



$869,027 00 

278,838 00 

197,012 00 

43,614 00 

12,000 00 

59,800 00 



"CITIZENS' INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1836. Commenced business April, 1837.] 

Paid-up Capital, $300,000. 

EDWARD A. WALTON, President. FRANK M. PARKER, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 
National Bank of Commerce stock, . 
National Citizens' Bank stock, . 
National Bank of the Republic stock, 
Consolidated Gas Company stock, . 
Union Trust Company stock, . 
Oregon Short Line & Utah No. R.R. bonds, 
Lake Shore & Michigan Southern R.R. bonds, 
New York, Chicago & St. Louis R.R. bonds, 
Cleveland, Cin., Chic. & St. Louis R.R. stock, 
Union Pacific Railroad stock, . 
New York Central & Hudson Riv. R.R. stock, 
Underwriters' Salvage Company, 



Securities held as collateral for cash loans : — 

Butchers' and Drovers' National Bank stock, . 
Lake Shore & Michigan Southern R.R. bonds, 
National Bank of the Republic stock, 
First National Bank of Paterson, 



and Bonds. 

Par Value. 

$150,000 00 
10,000 00 
30,000 00 

5,000 00 
20,000 00 
10,000 00 

2,000 00 
50,000 00 
10,000 00 
30,000 00 
20,000 00 
21,000 00 

1,000 00 



Market Value. 

$169,875 00 

18,300 00 

46,500 00 

8,500 00 

25,300 00 

75,000 00 

00 

60,500 00 

00 

15,900 00 

3,700 00 

20,790 00 

1,000 00 



$359,000 00 $456,565 00 



Market Value. 

81,785 00 

23,600 00 

5.780 00 

6,560 00 



Loaned Thereon. 

$900 00 
20,000 00 

10,000 00 



citizens' INSURANCE CO. 



155 



Market Value. Loaned Thereon. 









Pennsylvania Railroad Company stock, . 


$2,500 


00 


$2,000 00 


Broadway & Seventh Ave. Railroad stock, 


1,850 


00 


1,300 00 


New York Mutual Gas Company stock, . 


780 00 


525 00 


First National Bank of Paterson, 


16,000 00 


2,000 00 




$58,855 00 


$36,725 00 


Summary of Assets Dec 


31, 1893. 






Cash value of unencumbered real estate, 


$150,700 00 




Loans on mortgage of real estate (first liens*) 


41,300 


00 




Interest due or accrued thereon, 


1,211 


50 




Stocks and bonds, as per schedule, . 


456,565 


00 




Loans on collateral security, as per schedule, 


36,725 


00 




Cash in the office of the company, . 


4,431 


27 




Cash deposited in bank, .... 


62,167 


67 




Interest due and accrued, .... 


7,540 


33 




Premiums in course of collection (gross), 


129,815 


15 




Rents due and accrued, .... 


2,138 


34 




Re-insurance, 


180 


32 




Gross assets, 

Deduct special deposits in other States, . 






$892,774 58 
45,300 00 


. 


• 








$847,474 58 


Liabilities. 








Losses adjusted, unpaid, .... 


§42,293 


31 




claimed and reported, . . . 


24,843 


87 




disputed or resisted, 


9,428 


60 




Total amount of losses, 


$76,565 78 




Less re-insurance, 


6,287 


83 




Net amount of unpaid losses, . 


$70,277 95 




Unearned premiums on outstanding risks, 


247,883 


12 




Interest due or accrued, .... 


275 


00 




Dividends to stockholders unpaid, . 


339 


80 




Due and accrued for rent, salaries, etc., . 


1,200 


00 




Due for borrowed money, 


100,000 


00 




Commissions and brokerage, . 


12,445 


69 




Return premiums and re-insurance, 


1,248 


11 




Gross liabilities, except capital, 


$433,669 67 




Deduct liability on special deposits, 


3,826 


37 










429,843 30 








Surplus as regards policy-holders, . 


$417,631 28 


Paid-up capital, 


. 


. 


300,000 00 


Surplus over capital, .... 


$117,631 28 






5-45,000 00 






54,000 00 


Amount of insurance held as collateral, . 


• 


36,200 00 



156 



CITIZEN^ INSURANCE CO. 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Xet collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



1107,52* 

3,399 56 

$104,128 61 

923,815 37 

27,943 98 

131,288 68 

►6,655 30 

316,286 10 



other sourc 



$580,369 20 

1,389 00 

25,234 70 

6,197 94 

$613,190 84 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Xet cash paid for fire losses, - .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



.591 19 
41.555 18 



$515,036 01 

15.721 15 

146,788 60 

40,645 81 

17,528 81 

83.026 41 

-.4.746 79 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Xet amount in force, . 



Premiums. 

$118,968,095 00 £1,044,698 99 
86,969,331 00 - 815 37 



|2 5,937,426 00 $1,968,514 36 
133.272,100 00 1,441,752 36 



-35,326 00 2 00 
3,314,516 00 .7.502 98 



$69,350,810 00 $499,259 02 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (5| per cent.), 
Company's stock owned by directors, . . . . 



$13,889,917 00 

20 00 

534,087 00 

1,926,300 00 

15,750 00 

104,080 00 



CITIZENS INSURANCE CO. 



157 



"CITIZENS' INSURANCE COMPANY OF MISSOURI," 

ST. LOUIS, MO. 

[Incorporated Feb. 2, 1837. Commenced business 1837.] 

Paid-up Capital, $200,000. 

J. B. M. KEHLOR, President. JOHN P. HARRISON, Secretary. 



Detailed Statement of Stocks 



North Missouri Railroad bonds, 
St. Louis United Elevator Company bonds, 
Venice Elevator Company bonds, 
City of Waco, Texas, bonds, 
City of St. Joseph, Mo., bonds, 
Advance Elevator Company bonds, 
American Exchange Bank stock, 
Phillips County (Ark.) bonds, . 



and Bonds. 

Par Value. 

$100,000 00 
84,000 00 
32,000 00 
36,000 00 
15,000 00 
10,000 00 
21,000 00 
10,000 00 



Market Value. 

$106,500 00 
84,000 00 
32,000 00 
37,500 00 
14,550 00 
10,000 00 
36,120 00 
10,500 00 



$308,000 00 $331,170 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $1,000 00 

Loans on mortgage of real estate (first liens*), 128,800 00 

Interest due or accrued thereon, . . . 2,502 00 

Stocks and bonds, as per schedule, . . . 331,170 00 

Cash in the office of the company, . . . 382 35 

Cash deposited in bank, 20,804 15 

Premiums in course of collection (gross), . 12,953 00 

Gross assets, 



$497,611 50 



Liabilities. 

Losses adjusted, unpaid, $6,206 00 

Losses claimed and reported, .... 9,264 00 

Unearned premiums on outstanding risks, . 64,230 00 

Commissions and brokerage, .... 2,490 00 

Gross liabilities, except capital, . . 



82,190 00 



Surplus as regards policy-holders, $415,421 50 

Paid-up capital, 200,000 00 

Surplus over capital, $215,421 50 

* Value of lands mortgaged $192,300 00 

Value of buildings thereon 125,000 00 

Amount of insurance held as collateral 98,400 00 



158 



citizens' INSURANCE CO. 



894,o28 77 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $11,237 89 
Premiums on risks written or renewed, . . 97,358 00 

Total, $108,595 89 

Premiums now in course of collection, . . 12,863 00 

Entire premiums collected, .... $95,732 89 

Less re-insurance and return premiums, . . 1,204 12 

Net cash fire premiums received, . . . 

Marine premiums outstanding Dec. 31, 1892, . $172 69 

Premiums on risks written or renewed, . . 2,968 40 

Total, . . . . . . . . $3,141 09 

Premiums now in course of collection, . 90 00 

Entire premiums collected, .... $3,051 09 

Less re-insurance and return premiums, . . 110 71 

Net cash marine premiums received, . . 2,940 38 

Interest received on mortgages, 1">.l ; 40 00 

Interest and dividends received from all other sources, . . 10,245 22 

Gross cash income, $122,954 37 



Expenditures. 



Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



861,310 85 

1,570 42 

12,000 00 

17,804 83 

8,000 00 

6,168 00 

2 97 

$112,357 07 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Total, 

Deduct risks expired aad terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1893, . 
Deduct risks expired and terminated, 



. $9,380,342 00 
. 7,583,630 00 



$16,963,972 00 
6,949,309 00 

610,014,663 00 
69,173 00 



Premiums. 

$117,787 00 
97,358 00 



$215,145 00 
87,331 00 



$127,814 00 
967 00 



$9,945,490 00 $126,847 00 



$558,043 00 
558,043 00 



$2,968 40 
2,9^ 



COLUMBIAN FIRE INSURANCE CO. 



159 



Miscellaneous. 

Losses paid from organization of company, . 

Fire losses incurred during the year, . . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, .... 



$3,200,074 00 

68,580 00 

1,570 00 

779,798 00 

12,000 00 

172,000 00 



" COLUMBIAN FIRE INSURANCE COMPANY OF AMERICA," 

LOUISVILLE, KY.* 

[Incorporated Oct. 21, 1892. Commenced business Jan. 1, 1893.] 

Paid-up Capital, $200,000. 

A. W. HART, President. HARRY R. BUSH, Secretary. 

Summary of Assets Dec. 31, 1893. 



United States bonds, 

Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid,. .... 
Losses claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$229,000 00 

200 00 

133,936 38 

187 70 

233,229 79 



$57,929 67 
40,131 02 

$98,060 69 
2,806 37 

$95,254 32 

251,064 91 

42,242 44 



Surplus over capital, .... 

Income. 
Fire risks written during the year, . . . $1,141,807 93 
Premiums now in course of collection, . . 233,229 79 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



$908,578 14 
80,449 11 



$596,553 87 



388,561 67 

$207,992 20 
200,000 00 

$7,992 20 



$828,129 03 
14,114 44 

$842,243 47 



* Assigned to S. H. Sullivan, Feb. 27, 1894. 



160 



COMMERCE INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



$322,831 08 
12,484 G7 



$310,347 01 

300,890 83 

53,370 15 

5,898 17 

52,076 91 



Gross cash expenditures, $722,583 07 



Risks and Premiums. 



Fire risks written during 1893, 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 



.$88,298,580 00 $1,141,807 93 
. 21,533,518 00 559,229 00 



. $66,765,062 00 $582,578 93 
. 21,116,625 00 80,449 11 



.545,648,437 00 $502,129 82 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 



$828,129 00 
310,347 00 
405,601 00 



"COMMERCE INSURANCE COMPANY,'' ALBANY, N.T. 

[Incorporated June 1, 1859. Commenced business June 1, 1S-59.] 
Paid-up Capital, $200,000. 
GARRETT A. VAN ALLEN", President. E. DARWIN JENTSON", Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

150 shares Nat'l Commerc"! B% Albany, N.Y., 



150 " First Natl Bank, Albany, N. Y., . 

72 " Nat 1 ! Exchange B'k, Albany, X. Y., 

45 " Albany City Natl Bank, Albany, 

50 " National Bank, Cohoes, N. Y., 

50 " South End Bank, Albany, X. Y., 

25 " Holland Trust Co., New York, 

300 " Rensselaer & Saratoga Railroad, 

5 " Underwriters' Salvage Co., N. Y. 



$15,000 00 

15,000 00 

7,200 00 

4,500 00 

5,000 00 

5,000 00 

2,500 00 

30,000 00 

500 00 



Market Value. 

$49,500 00 

24,750 00 

8,640 00 

4,500 00 

7,000 00 

4,500 00 

3,750 00 

52,500 00 

500 00 



$84,700 00 $155,640 00 



COMMERCE INSURANCE CO. 



161 



Securities held as collateral for cash loans : — 

53 shares First Nat'l Bank, Albany, N. Y., 
10 " N. Y. Cent. & Hudson River R.R., . 
50 " New York State Trust Company, . 



Market Value. Loaned Thereon. 



$8,750 00 

980 00 

11,250 00 



$5,000 00 

600 00 

5,000 00 



$20,980 00 $10,600 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 

Liabilities 

Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1893, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$75,000 00 

66,100 00 

1,043 19 

155,640 00 

10,600 00 

3,841 94 

26,149 05 

500 00 

10,817 15 

1,795 12 



$19,930 00 
100 00 

$20,030 00 
1,000 00 

$19,030 00 

95,460 11 

178 23 

1,749 98 

1,302 54 



$11,461 74 
175,333 08 



$186,794 82 
10,817 15 



$175,977 67 
32,039 47 



$351,486 45 



117,720 86 



$233,765 59 
200,000 00 



$33,765 59 



$143,938 20 



* Total value of property mortgaged, 
Insurance held as collateral, . 



$154,400 00 
60,300 00 



1(32 



THE COMMONWEALTH INSURANCE CO. 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, ..... 

Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$129,748 77 
4,363 32 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $19,831,537 00 
. 16,368,859 00 



. $36,200,396 00 

. 18,448,819 00 

. $17,751,577 00 

838,978 00 



13,636 15 

8,955 44 

5,041 65 

$161,571 44 



$125,385 45 

12,000 00 

29,028 33 

11,781 03 

8,136 64 

8,142 68 

8104,474 13 



Premiums. 

$207,911 76 
175,333 08 

$383,244 84 
187,648 80 



$195,596 04 
7,220 56 



.$16,912,599 00 $188,375 48 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$4,908,437 00 

3,233,527 00 

120,303 00 

816,000 00 

12,000 00 

59,300 00 



" THE COMMONWEALTH INSURANCE COMPANY OF 
NEW YORK," N. Y. 

[Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886.] 

Paid-up Capital, $500,000. 

M. M. BELDING, President. CHAS. S. BARTOW, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, f 25,000 00 $25,000 00 

District of Columbia bonds, .... 50,000 00 51,250 00 

New York city bonds 125,000 00 125,000 00 



THE COMMONWEALTH INSURANCE CO. 



163 



100 shares 


220 


it 


100 


ii 


200 


it 


200 


ii 


100 


it 


100 


ii 


200 


ii 


200 


ii 


50 


ii 


25 


ii 


25 


(i 


10 


ii 


50 


ii 


50 


ci 


50 


ii 



C, C, C. & St. Louis Railroad, 
Western Union Telegraph Co., 
Chicago, Milwaukee & St. PaulR'y 
Chicago & Northwestern Railway 
Central Railroad of New Jersey, 
Delaware Hudson Canal Company 
Manhattan Railway Company, 
Chicago, Minn , St. Paul & O. R'y, 
Toledo & Ohio Central Railway, 
Merchants' National Bank, N. Y., 
National Bank of Commerce, N. Y. 
Bank of America, New York, . 
Central National Bank, New York 
Bowery Bank of New York, . 
German American Bank, New York 
New York Produce Exchange Bank 



Par Value. 

$10,000 00 

22,000 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

2,500 00 

2,500 00 

2,500 00 

1,000 00 

5,000 00 

3,750 00 

5,000 00 



Market Value. 

$8,500 00 

18,177 50 

11,800 00 

19,700 00 

22,600 00 

13,100 00 

12,300 00 

22,200 00 

15,000 00 

3,625 00 

4,400 00 

4,875 00 

1,230 00 

14,750 00 

4,612 50 

6,150 00 



$364,250 00 $384,270 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Gross assets, .... 



31, 1893. 

$203,500 00 

2,968 40 

384,270 00 

229 48 

20,172 98 

4,163 13 

30,405 96 



$645,709 95 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks 
Interest due or accrued, . 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$16,696 82 

400 00 

100,016 30 

751 42 

1,200 00 

2,508 59 

2,027 14 



123,600 27 

$522,109 68 
500,000 00 



Surplus over capital, 



$22,109 68 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$176,500 00 
174,000 00 
198,125 00 



164 



THE COMMONWEALTH INSURANCE CO. 



Income. 
Fire premiums outstanding Dec. 31, 1892, . $36,641 20 
Premiums on risks written or renewed, . . 243,197 

Total, $279,839 10 

Premiums now in course of collection, . . 30,405 96 

Entire premiums collected, .... $249,433 14 
Less re-insurance and return premiums, . . 45,369 97 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



|204,063 17 
11,639 76 
14,465 57 



Gross cash income, £230,168 50 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$169,638 58 
1,620 02 



$168,018 56 
15,000 00 
34 74 
18,972 58 
24,343 97 
7,473 72 
10,892 11 

$244,735 68 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . .$20,812,625 00 $212,440 76 
Fire risks written during 1893, . . . 23,325,166 00 243,197 90 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Xet amount in force, . 



$44,137,791 00 
26,051,546 00 



$18,086,245 00 
164,850 00 



$455,638 66 
,861 92 

$199,770 74 
2,055 21 



.$17,921,395 00 $197,721 53 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$1,445,911 00 

936,678 00 

159,681 00 

96,000 00 

15,000 00 

85,500 00 



THE CONCORDIA FIRE INSURANCE CO. 



165 



"THE CONCORDIA FIRE INSURANCE COMPANY OF 
MILWAUKEE," MILWAUKEE, WIS. 

[Incorporated March 7, 1870. Commenced business March 22, 1870.] 

Paid-up Capital, $200,000. 

J. H. INBUSCH, President. GUSTAV WOLLAEGER, Secretary. 



Detailed Statement of Stocks and Bonds. 



Chicago, 111., city bonds, . 
Cincinnati city bonds, 
Washington County, 111., bonds, 



Par Value. 

$35,000 00 
40,000 00 
15,000 00 



Market Value. 

$35,700 00 
42,200 00 
15,450 00 



$90,000 00 $93,350 00 



Summary of Assets Dec. 31, 1893. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Premiums more than 3 months due, $8 00 
Gross assets, 



$487,165 00 

4,838 33 

93,350 00 

7,404 09 

36,226 06 

783 33 

63,557 86 

1,735 96 



$695,060 63 



Liabilities. 

Losses adjusted, unpaid, $20,928 82 

claimed and reported, .... 22,393 14 

disputed or resisted, .... 6,9610 64 

Unearned premiums on outstanding risks, . 403,286 47 

Interest due or accrued on scrip, ... 19 00 

Commissions and brokerage, .... 14,173 30 

Gross liabilities, except capital, ..... 467,761 37 

Surplus as regards policy-holders, $227,299 26 

Paid-up capital, 200,000 00 

Surplus over capital, $27,299 26 

* Value of lands mortgaged $709,250 00 

Value of buildings thereon, 641,150 00 

Amount of insurance held as collateral 299,225 00 



166 



THE CONCORDIA FIRE INSURANCE CO. 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$69,591 10 

575,084 28 

$644,675 38 

63,565 86 

$581,109 52 

115,351 06 



8465,758 46 

29,802 57 

4,600 00 

$500,161 03 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



8340,110 67 
39,397 18 



$300,713 49 
15,992 00 
105,408 73 
27,698 33 
12,188 02 
42,554 93 



$504,555 50 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

. 860,209,981 00 £724,474 25 
. 46,562,195 00 575,084 28 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$106,772,176 00 $1,299,558 53 
. 40,367,240 00 498,665 48 



. $66,404,936 00 $800,893 05 
. 3,806,252 00 48,467 72 



. 862,598,684 00 $752,425 33 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of cornpam^ . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



£3,995,896 00 

2,212,348 00 

316,532 00 

181,667 00 

16,000 00 

146,800 00 



CONNECTICUT FIRE INSURANCE CO. 



167 



"CONNECTICUT FIRE INSURANCE COMPANY;' HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1850.] 



Paid-up Capital, $1,000,000. 



J. D. BROWXE, President. 



CHARLES R. BURT, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Dominion of Canada bonds, .... $100,000 00 $105,000 00 

State of Georgia bonds, 25,000 00 26,625 00 

City of Astoria, Oregon, bonds, . . . 12,000 00 12,840 00 

Citj of Dallas, Texas, bonds, .... 12,000 00 12,000 00 

City of East Portland, Oregon, bonds, . . 25,000 00 28,500 00 

City of Erie, Penn., bonds, .... 10,000 00 10,000 00 

City of Middletown bonds 20,000 00 20,800 00 

City of New Britain bonds, .... 15,000 00 15,750 00 

City of Richmond, Va., bonds, . . . 50,000 00 50,000 00 

City of Salt Lake, Utah, bonds, . . . 10,000 00 10,000 00 

City of Urbana, Ohio, bonds, .... 15,000 00 15,900 00 

Mankato, Minn., city bonds, .... 15,000 00 15,000 00 

School Dist., No. 2, Arapahoe Co., Cal., bonds, 25,000 00 26,000 00 

School Dist,, No. 24, Marion Co., Ore , bonds, . 13,000 00 14,170 00 

Toledo, Ohio, city bonds, 10,000 00 10,400 00 

Coffey County, Kansas, bonds, .... 5,000 00 5,000 00 

Wapello County, Iowa, bonds, .... 18,000 00 18,000 00 

Minneapolis Gas Light Company bonds, . . 25,000 00 26,250 00 

Black Rocks & Salisbury Beach St. R.R. bonds, 10,000 00 9,500 00 

Broadway & Seventh Avenue R.R. bonds, . 20,000 00 21,200 00 

Chicago, Burlington & Quincy R.R. bonds, . 25,900 00 27,245 00 

Chicago & Western Indiana Railroad bonds, . 15,000 00 17,512 50 

Cincinnati, Hamilton & Dayton R.R. bonds, . 25,000 00 25,500 00 

Cincinnati, Dayton & Ironton Railroad bonds, 15,000 00 14,400 00 

Cleveland, Cin., Chic. & St. Louis R.R. bonds, 10,000 00 9,000 00 

Dayton & Michigan Railroad bonds, . . 25,000 00 26,250 00 

Detroit, Lansing & Northern Railroad bonds, . 2,000 00 2,000 00 

Grand Rapids, Detroit & Lansing R.R. bonds, . 8,000 00 3,000 00 

Housatonic Railroad bonds, .... 30,000 00 30,150 00 

Michigan Central Railroad bonds, . . . 20,000 00 24,400 00 

Manitou & Pike's Peak Railway bonds, . . 10,000 00 9,750 00 

New York & New England Railroad bonds, . 60,000 00 57,000 00 

New York, New Hav. & Hartford R.R. bonds, 52,000 00 59,000 00 

Quincy, Alton & St. Louis Railroad bonds, . 49,000 00 49,000 00 

West Chicago Street Railroad bonds, . . 10,000 00 10,000 00 

Helena, Mont., sewerage bonds, . . . 17,000 00 17,595 00 

Central Safety Deposit Co., Chicago, bonds, . 25,000 00 25,625 00 

Cham, of Com. Safety Vault Co., Chic, bonds, 10,000 00 10,200 00 

Traders 1 Safe and Trust Co., Chicago, bonds, . 10,000 00 10,000 00 



168 



CONNECTICUT FIRE INSURANCE CO. 



Northwestern Telegraph Company bonds, 

150 shares Bald Eagle Valley Railroad Co., 

142 " Boston & Albany Railroad Co., 

740 " Chicago, Burl. & Quincy R.R., 

150 " Chicago & Northwestern R.R., 

220 " Chicago, Rock Isl'd & Pacific R.R. 

200 " Detroit, Lansing & Northern R.R. 

300 " N.Y. Central & Hudson River R.R. 

300 " N. Y., New. Hav. & Hartford R.R. 

300 " Pitts., Fort Wayne & Chicago R.R. 

310 " Imp. & Traders 1 N'l B'k, New York 

100 " iEtna National Bank, Hartford, 

93 " Charter Oak Nafl Bank, Hartford 

125 " Farm, and Mech. N'l B'k, Hartford 

185 " First National Bank, Hartford, 

300 " Hartford Nat'l Bank, Hartford, 

100 " Mercantile Nat'l Bank, Hartford, 

412 " National Exchange Bank, Hartford 

150 " Phoenix National Bank, Hartford, 

45 " Conn. Trust & Safe Dep. Co., Hart 

167 " First N'l B'k, Minneapolis, Minn., 

11 " Second N'l B'k, New Haven, Conn. 

600 " Northwestern Telegraph Company 



Par Value. 

$15,000 00 

7,500 00 
14,200 00 
74,000 00 
15,000 00* 
22,000 00 
20,000 00 
30,000 00 
30,000 00. 
30,000 00 
31,000 00 
10,000 00 

9,300 00 
12,500 00 
18,500 00 
30,000 00 
10,000 00 
20,600 00 
15,000 00 

4,500 00 
16,700 00 

1,100 00 
30,000 00 



Market Value. 

§18,500 00 
15,000 00 
28,826 00 
55,500 00 
15,000 00 
13,860 00 

4,000 00 
30,000 00 
58,500 00 
45,000 00 
170,500 00 
12,500 00 

9,486 00 
13,375 00 
19,240 00 
45,000 00 

9,000 00 
24,720 00 
18,750 00 

7,200 00 
25,885 00 

1,848 00 
31,500 00 



$1,315,800 00 $1,551,752 50 



Securities held as collateral for cash loans : — 
North Chicago Street Railway stock, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, 

Deduct special deposits in other States, . 



Market Value. Loaned Thereon. 

$12,500 00 $7,500 00 

31, 1893. 

$121,625 00 

782,660 00 

1,551,752 50 

7.500 00 

691 47 

124,749 02 

242,057 73 

9,967 20 

$2,841,002 92 

232,125 00 



Balance, $2,608,877 92 



Liabilities. 



Losses claimed and reported, 
Losses disputed or resisted, 



$227,849 93 
14,566 20 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$971,375 00 

1,079,000 00 

792,400 00 



CONNECTICUT FIRE INSURANCE CO. 



169 



Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums and re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$1,191,783 05 

25,999 56 

4,832 97 

25,365 35 

21,365 31 

$1,511,762 37 

89,070 00 
$1,422,692 37 



$1,186,185 55 
1,000,000 00 

$186,185 55 



Income. 

Fire premiums outstanding Dec. 31, 1892 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from ail other sources, 

Gross cash income, ...... 



$256,104 04 
1,935,841 73 



$2,191,945 77 
242,057 73 

$1,949,888 04 
295,802 13 



$1,654,085 91 
52,151 21 
73,198 89 

$1,779,436 01 



Expenditures. 

Cash paid for fire losses, $ 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 

Gross cash expenditures, .... 



,194,627 35 
103,484 32 



$1,091,143 03 

80,000 00 

299,413 47 

122,102 27 

36,983 65 

115,947 50 

$1,745,589 92 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $162,049,910 00 $2,055,400 30 
Fire risks written during 1893, . . 150,882,390 00 1,935,841 73 



Total, 

Deduct risks expired and terminated, 



$312,932,300 00 $3,991,242 03 
141,789,226 00 1,739,334 44 



In force at end of year, . 



$171,143,074 00 $2,251,907 59 



170 



CONTINENTAL INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (8 per cent.), . 

Company's stock owned by directors, 



$10,737,459 00 
9,587,377 00 
1,139,735 00 
1,825,000 00 
80,000 00 
69,600 00 



"CONTINENTAL INSURANCE COMPANY,' 1 NEW YORK, N. Y. 

[Incorporated November, 1852. Commenced business January, 1853.] 
Paid-up Capital, $1,000,000. 
F. C. MOORE, President. EDWARD LANNING-, Secretary. 



Detailed Statement of Stocks 

250 shares American Exchange Nat'l Bank, 

100 " Bank of America, 
50 " Bowery Bank, 
1,200 " Mechanics 1 National Bank, . 

250 " Mercantile National Bank, . 

350 " Merchants 1 National Bank, . 

100 " Nassau Bank, 

382 " Phenix National Bank, 

200 " Central Trust Company, 
1,100 " Chicago, Burl. & Quincy R.R., 

500 " Chicago, Mil. & St. Paul Railway 

500 " Chicago & Northwestern R'way 
1,000 " Chic, Rock Island & Pac. R.R., 
1,000 " Chic, St. P , Minn. & Omaha R.R. 
1,000 " Clev., Cin., Chic & St. Louis R.R. 

500 " Lake Shore & Mich. South'n R.R. 
2,033 " New York & Harlem Railroad, 

256 " N. Y., N. H. & Hartford Railroad 
1,000 " Pennsylvania Railroad, 
5,000 " Pitts., McKees.&YoughioghenyR.R., 

500 " Rome^Vaterfn&Ogdensb'gR.R 

500 « St. Paul & Duluth Railroad, 
1,000 " St, Paul, Minn. & Manitoba Ry, 
1,200 " United N. J. R.R. & Canal Co., 

500 " Consolidated Gas Co. of N. Y., 
Atlantic & Gulf Railroad bonds, 
Cedar Rapids, la. F'ls & N. VY. R.R. bonds, 
Central Railroad & Bank'g Co. of Ga. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul bonds, . 
Chicago & Northwestern bonds, 



and Bonds. 

Par Value. 

$25,000 00 

10,000 00 

5,000 00 

30,000 00 

25,000 00 

17,500 00 

5,000 00 

7,640 00 

20,000 00 

110,000 00 
50,000 00 
50,000 00 

100,000 00 

100,000 00 

100,000 00 
50,000 00 

101,650 00 
25,600 00 
50,000 00 

250,000 00 
50,000 00 
50,000 00 

100,000 00 

120,000 00 
50,000 00 
47,000 00 
50,000 00 

100,000 00 
10,000 00 
50,000 00 
50,000 00 



Market Value. 

136,250 00 
19,000 00 
14,250 00 
55,500 00 
52,500 00 
25,375 00 
8,000 00 
9,168 00 

180,000 00 
82,500 00 
58,000 00 
69,000 00 
63,000 00 

110,000 00 
85,000 00 
60,000 00 

259,207 50 
48,640 00 
48,000 00 

305,000 00 
55,000 00 
43,500 00 

103,000 00 

273,600 00 
62,000 00 
49,350 00 
50,000 00 

100,000 00 
12,000 00 
56,500 00 
57,500 00 



CONTINENTAL INSURANCE CO. 



171 



Chicago, Rock Island & Pacific R.R. bonds, 

Chic, St. Paul, Minn. & Omaha R'y bonds, 

Columbia & Greenville Railroad bonds, . 

Elmira, Cortland & Northern bonds, 

Erie Railway Company bonds, 

Georgia, Carolina & Northern Railway bonds, 

Grand Rapids, Lansing & Detroit R.R. bonds, 

Ind., Bloomington & Western R.R. bonds, 

Kentucky Central Railway bonds, . 

Midland Railroad Co. of New Jersey bonds, . 

Milwaukee, Lake Shore & Western R.R. bonds, 

Morris & Essex Railroad bonds, 

New York Cent. & Hudson River R.R. bonds, 

N. Y., Lackawanna & Western Railway bonds, 

New York, Lake Erie & Western R.R. bonds, 

N. Y., New Haven & Hartford R.R. bonds, 

Raleigh & Augusta Air Line Railroad bonds, 

Richmond & Danville Railroad bonds, 

St. Paul, Minn. & Manitoba Railroad bonds, 

Western Union Telegraph Company bonds, 

Portland, Oregon, water bonds, 

Richmond, Virginia, bonds, 

Alabama bonds, 

Georgia bonds, . 

United States bonds, 

New York City bonds, 



Par Value. 

U 00,000 00 

100,000 00 

50,000 00 

50,000 00 

50,000 00 

25,000 00 

50,000 00 

135,000 00 

50,000 00 

50,000 00 

100,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

10,000 00 

50,000 00 

50,000 00 

100,000 00 

100,000 00 

50,000 00 

50,000 00 

10,000 00 

25,000 00 

498,000 00 

5,000 00 



Market Value. 

$97,000 00 

120,000 00 
45,000 00 
50,000 00 
66,000 00 
22,000 00 
38,500 00 

151,200 00 
40,000 00 
58,000 00 

125,000 00 
69,000 00 
53,500 00 
63,500 00 
50,000 00 
7,700 00 
55,000 00 
51,500 00 

115,000 00 

104,000 00 
55,000 00 
50,000 00 
10,000 00 
27,500 00 

564,570 00 
5,000 00 



$3,717,390 00 $4,544,810 50 



Securities held as collateral for cash loans : — 

30 shares New York & Harlem Railroad, 

10 " 42d Street & Grand St. Ferry R.R, . 

10 " Delaware & Hudson Canal Co., 

10 " Bank of New York, .... 



Market Value. Loaned Thereon. 

$3,825 00) 
3,000 00 ' 
1,300 00 
2,200 00 j 



)> $4,000 00 



$10,325 00 $4,000 00 



Summary of Assets Dec. 31, 1893.* 

Cash value of unencumbered real estate, . $757,690 75 

Loans on mortgage of real estate (first liensf), 125,935 00 

Interest due or accrued thereon, . . . 2,741 54 

Stocks and bonds, as per schedule, . . . 4,544,810 50 



* The company holds, also, instalment premium notes to the amount of $1,255,570.34 which do 
not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sum consisting of " unearned pre- 
miums." 

t Value of lands mortgaged, $165,450 00 

Value of buildings thereon 175,950 00 

Amount of insurance held as collateral, .... 154,175 00 



172 



CONTINENTAL INSURANCE CO. 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Premiums more than 3 months due, $143,679 37 

Gross assets,* 

Deduct special deposits in other States, . 

Balance, 

Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, 
Commissions and brokerage, . 
Contingent reserve, . 

Gross liabilities, except capital, 
Deduct liability on special deposits 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, . 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 



$4,000 00 

20,915 23 

7.068 55 

86,307 58 

330,580 07 

329,300 87 

3,221 24 



86.433,171 33 
132,500 00 

$6,300,671 33 



$408,474 00 
53,369 00 

?46 1,843 00 
10,460 00 

1,383 00 

3,204,755 03 

29,532 00 

6,148 98 

109 20 

64,647 74 

100,000 00 

$3,856,575 95 
73.816 88 



- 3,782,759 07 

. $2,517,912 26 
. 1,000,000 00 



. $1,517,912 26 



£666,356 91 
22,986 04 

S643,370 87 
3,360,329 96 



$4,003,700 83 
659,880 94 

83.343,819 89 
389,397 02 



$2,954,422 87 
6,735 99 



* Including $600,000 special reserve fund, held under New York law. 



THE DELAWAKE INSURANCE CO. 



173 



Interest and dividends received from all other sources, 
Income from rents, 



$258,387 50 
8,457 67 



Gross cash income, $3,228,004 03 

Expenditures. 

Cash paid for fire losses, $1,827,748 54 

Deduct salvage and re-insurance, . . . 47,192 82 

Net cash paid for fire losses, .... $1,780,55572 

Cash dividends paid, 154,821 80 

Cash paid for interest and redemption of scrip, . . . 541 24 

for commissions and brokerage, .... 590,179 38 

for salaries of officers and employees, . . . 263,167 12 

for State and local taxes, 58,283 75 

for rents and incidentals, 205,194 97 

Gross cash expenditures, $3,052,743 98 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$570,999,078 00 
395,792,419 00 

$966,791,497 00 
359,774,521 00 

$ 607,01 6,976 00 
6,696,182 00 



Premiums. 

$5,591,698 97 
3,360,329 96 

$8,952,028 93 
2,922,521 42 



$6,029,507 51 
69,357 85 



$600,320,794 00 $5,960,149 66 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, 
Fire losses incurred daring the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 t 4 q per cent.), 
Company's stock owned by directors, 



$55,214,391 00 

30,938,725 00 

1,860,723 00 

5,184,247 00 

154,000 00 

164,600 00 



"THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835.] 

Paid-up Capital, $702,875. 

TATTNALL PAULDING, President. HENRY LTLBURN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

$85,000 00 $103,222 50 
125,000 00 121,875 00 



Philadelphia city bonds, . 
Lehigh Valley Railroad bonds, 



174 



THE DELAWARE INSURANCE CO. 



St. Louis city bonds, .... 
American Steamship Company bonds, 
Newark, N. J., cit}- bonds, 
Camden, N. J., city bonds, 
Springfield, 111., city bonds, 
Philadelphia & Reading Railroad bonds, 
Allentown Terminal Railroad bonds, 
Pennsylvania & New York Canal Co. bonds, 
Philadelphia, Wil. & Bait. R.R. certificates, 
Tennessee State bonds, .... 
Philadelphia & Reading Railroad car trust, 
Pennsylvania Railroad bonds, . 
Pitts., Youngstown & Ashtabula R.R. bonds, 
Baltimore Belt Railroad bonds, 
Northern Pacific Railroad bonds, 
Tennessee State scrip, .... 
Delano Land Company bonds, . 
Philadelphia Bourse, .... 

Mortgage Trust Company, Pennsylvania, 
Georgia State bonds, .... 

Richmond (Va.) city bonds, 
Wilmington & Northern Railroad bonds, 
Underwriters 1 Salvage Company of N. Y., 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Re-insurance, etc., 

Gross assets, 

Deduct special deposits in other States, . 



Par Value. 

$45,000 00 
40,000 00 
75,000 00 
30,000 00 
25,000 00 
100,000 00 
50,000 00 
50,000 00 
30,000 00 
31,300 00 
40,000 00 
25,000 00 
40,000 00 
40,000 00 

1,000 00 

196 00 

30,000 00 

1,000 00 
15,000 00 
25,000 00 
36,000 00 
25,000 00 

1,000 00 



Market Value. 

$48,920 00 
40,800 00 
73,750 00 
30,000 00 
26,750 00 
97,500 00 
50,000 00 
49,500 00 
.450 00 
23,162 00 
40,000 00 
24,000 00 
42,800 00 
39,600 00 

1,000 00 
70 00 
30,000 00 
700 00 
15,000 00 
24,500 00 
33,840 00 
25,375 00 

1,000 00 



Balance, 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



$965,496 00 $973,814 50 

31, 1893. 

§160,000 00 

153,200 00 

1,691 44 

973,814 50 

908 04 

30,488 64 

153,115 11 

11,557 26 

1,270 83 

9,681 16 

$1,495,726 98 

58,340 00 



§1,437,386 98 



Liabilities. 



§20,439 23 

165,892 00 

7,672 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$209,000 00 
163,000 00 
120,500 00 



THE DELAWARE INSURANCE CO. 



175 



Unearned premiums on outstanding risks, . $ 392,896 80 

Reclaimable on perpetual fire policies, . . 75,697 36 

Unpaid scrip ordered to be redeemed, . . 2,830 00 

Interest due or accrued on scrip, . . . 3,631 40 

Dividends to stockholders unpaid, . . . 137 00 

Commissions and brokerage, .... 13,294 44 

Gross liabilities, except capital, . . $682,490 23 

Deduct liability on special deposits, . . 29,576 88 



Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash marine premiums received, 

Interest received on morto;ao;es, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 



Gross cash income, 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 



$134,624 73 
832,521 94 



$967,146 67 
120,749 76 



£846,396 91 
263,948 56 



59,319 35 
16,357 35 

$42,962 00 
296,685 44 

§339,647 44 
43,922 61 

$295,724 83 
39,776 86 



sources, . 

$5,938 19 



$403,278 85 
57,515 03 



$652,913 35 

$784,473 63 

702,875 00 

$81,598 63 



#582,448 35 



255,947 97 

9,767 83 

49,707 51 

6,069 88 



$903,941 54 



$345,763 82 



176 



THE DELAWARE INSURANCE CO. 



Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for redemption of scrip, . 

Interest paid scrip-holders, .... 

Cash paid for commissions and brokerage, 
for salaries of officers and emplo\ 
for State and local taxes, 
for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$305,605 51 
34,948 49 



84,026 16 



$270,717 02 

56,306 25 

625 00 

85 20 

151,078 59 

76,226 37 

25,958 62 

86,344 25 



. 11,013,105 12 



Risks and Premium-. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $61,621,400 00 
. 68,771,635 00 



Premiums. 

$774,675 64 
832,521 94 



$130,393,035 00 
. 64,604,211 00 



. -?65,788,824 00 
. 6,847,961 00 

. $58,940,863 00 



$1,6 '7,197 58 
806,367 05 

$800,830 53 
95,161 04 



Perpetual risks in force (not included above), 3,131,441 00 



$705,609 49 
79,681 43 



Marine risks outstanding Dec. 31, 1892, . . $8,533,065 00 
Marine risks written during 1893, . . . 51,510,568 00 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



. $60,043,633 00 
. 49,436,089 00 



$55,837 57 
296,685 44 



-,523 01 
316,678 96 



$10,607,544 00 $35,844 05 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (8 per cent.), . 

Company^ stock owned by directors, 



$28,850,512 00 

17,156,626 00 

366,985 00 

307,680 00 

2,486,901 00 

56,230 00 

49,300 00 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



177 



"TPIE DETROIT FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated Feb. 1, 1866. Commenced business March 14, 1866.] 

Paid-up Capital, $400,000. 

WILLIAM A. MOORE, President. C. L. ANDREWS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Fort Wayne & Belle Isle Railroad bonds, . $25,000 00 $25,500 00 
Au Sable, Mich., village bonds, . . . 7,000 00 7,000 00 



Securities held as collateral for cash loans : — 
Mortgage assigned, 



$32,000 00 $32,500 00 

Market Value. Loaned Thereon. 

$2,000 00 $300 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $71,471 65 

Loans on mortgage of real estate (first liens*), 909,186 70 

Interest due or accrued thereon, . . . 31,887 18 

Stocks and bonds, as per schedule, . . . 32,500 00 

Loans on collateral security, as per schedule, . 300 00 

Cash in the office of the company, . . . 3,193 30 

Cash deposited in bank, 53,423 76 

Interest due and accrued, 433 61 

Premiums in course of collection (gross), . 41,852 43 

Notes taken for marine and inland risks, . 4,396 30 

Re-insurance, etc., 4,603 39 

Premiums more than 3 months due, $7,863 34 

Gross assets, 



:,153,248 32 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$20,896 00 
7,000 50 
4,912 30 

173,861 14 
7,422 66 
2,626 67 



216,719 27 



Surplus over capital, . 



$936,529 05 
400,000 00 

$536,529 05 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$1,271,691 00 

1,049,522 00 

644,557 00 



178 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, • 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash lire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



$36,482 08 

296,243 80 

$332,725 88 

47,764 02 

$284,961 86 

55,015 18 

§4,649 68 

62,900 62 



>7,550 30 
6,348 05 



$229,946 68 



Entire premiums collected, .... $61,202 25 
Less re-insurance and return premiums, . . 17,116 46 

Net cash marine premiums received, . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



44,085 79 

51,650 49 

7,740 63 

814 38 



Gross cash income, $334,237 97 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



.$25,775,945 00 

. 26,356,775 00 

. $52,132,720 00 

. 24,258,223 00 



§165,727 06 
41,838 59 
40,000 00 
38,132 19 
22,082 60 
17,095 72 
19,492 80 

§344,368 96 



Premiums. 

$300,407 99 
296,243 80 

§596,651 79 
269,438 49 



. §27,874,497 00 §327,213 30 



§103,286 00 
3,815,729 00 



§4,937 29 
62,900 62 



$3,919,015 00 
3,723,200 00 



$67,837 91 
59,315 44 



$195,815 00 $8,522 47 



EQUITABLE EIRE AND MARINE INSURANCE CO. 



179 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$5,738,264 00 

2,955,326 00 

160,204 00 

54,312 00 

691,000 00 

40,000 00 

101,600 00 



"EQUITABLE FIRE AND MARINE INSURANCE COMPANY," 

PROVIDENCE, R. I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid-up Capital, $300,000. 

FRED. W. ARNOLD, President. JAMES E. TILLIXGHAST, Secretary. 



Detailed Statement of Stocks and Bonds. 



500 shares Old National Bank, Providence, 
340 " Nat'l Bank of Commerce, Prov., 
200 " American National Bank, Prov., 
100 " Fourth National Bank, Providence 
100 " First National Bank, Warren, 
30 " Third National Bank, Providence, 
200 " N. Y. Central & Hud. River R.R., 
200 " Illinois Central Railroad, 
100 " Chic, Rock I. & Pacific Railroad, 
107 " Chic, Burl. & Quincy Railroad, 
100 " Michigan Central Railroad, . 
50 " Rhode Island & Mass. Railroad, 
50 " Wells, Fargo & Company Express 
Underwriters' Salvage Company, . 
Union Pacific Railroad bonds, . 
New York Elevated Railroad bonds, 
Pawtuxet Valley Railroad bonds, . 
Quincy, Alton & St. Louis Railroad bonds, 
Milwaukee City Railroad bonds, 
National Water Works bonds, . 
Chicago, Burlington & Quincy Railroad bonds, 



Securities held as collateral for cash loans : — 
20 shares Mechanics 1 Nat 1 ! Bank, Providence, 



Far Value. 

$50,000 00 
17,000 00 
10,000 00 
10,000 00 
10,000 00 

3,000 00 
20,000 00 
20,000 00 
10,000 00 
10,700 00 
10,000 00 

5,000 00 

5,000 00 
500 00 
25,000 00 
10,000 00 
22,000 00 
10,000 00 

5,000 00 
10,000 00 

2,700 00 



Market Value. 

$58,000 00 

18,360 00 

9,050 00 

12,400 00 

9,000 00 

2,295 00 

19,900 00 

18,000 00 

6,312 50 

8,025 00 

9,600 00 

5,000 00 

6,500 00 

500 00 

25,330 00 

10,987 50 

25,300 00 

10,000 00 

5,000 00 

10,000 00 

2,700 00 



$265,900 00 $272,260 00 



Market Value. Loaned Thereon. 

$1,060 00 800 00 



180 



EQUITABLE FIRE AND MARINE INSURANCE CO. 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $129,900 00 

Loans on mortgage of real estate (first liens*), 97,200 00 

Interest due or accrued thereon, . . . 630 00 

Stocks and bonds, as per schedule, . . . 272,260 00 

Loans on collateral security, as per schedule, . 800 00 

Cash in the office of the company, . . . 1,374 18 

Cash deposited in bank, 12,681 30 

Premiums in course of collection (gross), . 33,312 56 

Rents due and accrued, 780 00 

Premiums more than 3 months due, $845 62 

Gross assets,! 



$548,938 04 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$11,867 00 

16,986 00 

1,371 00 

179,172 67 

849 00 

500 00 

921 17 

2,916 30 

1,0H7 63 

132 21 



215,812 98 



$333,125 
300,000 



06 
00 



$33,125 06 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$35,844 24 
310,999 81 

$346,844 05 
34,081 51 

$312,762 54 
55,279 80 



$257,482 74 



* Value of lands mortgaged $117,050 00 

Value of buildings thereon, 156,100 00 

Amount of insurance held as collateral, .... 96,950 00 

t Including $35,000 special reserve fund held under Rhode Island law. 



EQUITABLE FIRE AND MARINE INSURANCE CO. 



181 



Marine premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$295 84 
1,003 88 



$1,299 


72 


76 


67 


$1,223 05 


16 


00 



sources, 



$1,207 05 

5,451 14 

14,882 97 

7,583 01 



$286,606 91 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

for expenses on real estate, 

Gross cash expenditures, .... 



$203,589 51 
12,796 70 



$190,792 81 

1,019 67 

8,652 00 

48,449 47 

22,194 74 

9,916 94 

19,922 37 

4,698 60 

$305,646 60 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insnred, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, 

Total, 

Deduct risks expired and terminated, 



$33,404,083 00 
26,450,492 00 



Premiums. 

$387,558 51 
310,999 81 



$59,854,575 00 
28,480,013 00 



,558 32 
333,784 93 



$31,374,562 00 
938,890 00 



$364,773 39 
9,702 74 



$30,435,672 00 $355,070 65 



$664 18 
1,003 88 



5,261 00 
218,883 00 



$257,144 00 
248,681 00 



$1,668 06 
1,520 39 



In force at end of year, . 



$8,463 00 



$147 67 



182 



FARRAGUT FIRE INSURANCE CO, 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



14,763,248 00 

3,177,376 00 

177,882 00 

20 00 

524,000 00 

9,000 00 

63,100 00 



"FARRAGUT FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.] 

Paid-up Capital, $200,000. 

JOHN E. LEFFINGWELL, President. SAMUEL DARBEE, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

District of Columbia bonds, .... $105,00000 $118,12500 

New York, Ontario & Western R.R. bonds, . 20,000 00 21,500 00 

Fourth National Bank stock, .... 10,000 00 20,000 00 

New York Produce Exchange Bank stock, . 9,700 00 12,610 00 

Clinton Bank stock, 6,000 00 6,600 00 

Long Island Loan and Trust Company, . . 25,000 00 58,750 00 

People's Gas Light Company, . . ' . . 5,000 00 4,000 00 



Securities held as collateral for cash loans : — 

Cleveland, Cin., Chic. & St. Louis R.R. stock, . 
Lake Shore & Mich. Southern R.R. stock, 
Globe Stationery and Printing Co. stock, 
Canada Southern R.R. Company stock, . 
The Cooke & Cobb Company stock, 
Hide and Leather National Bank stock, . 
Wilcox & Gibbs Sewinp; Machine Co. stock, . 
Clinton Bank stock, 



$180,700 00 8241,585 00 



Market Value. Loaned Thereon. 



$425 00 

610 00 

1,250 00 

1,920 00 

2,000 00 

500 00 

500 00 

11,000 00 



81,600 00 
1,300 00 
1,500 00 
9,000 00 



818,205 00 813,400 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . 86,000 00 

Loans on mortgage of real estate (first liens*), 20,500 00 

Interest due or accrued thereon, . . . 300 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$28,500 00 
12,000 00 
11,300 00 



FARRAGUT FIRE INSURANCE CO. 



183 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Office furniture, etc., . . . $3,500 00 
Premiums more than 3 months due, 468 82 
Gross assets, 



$241,585 00 
13,400 00 

762 21 
19,639 36 

201 00 
31,187 76 



$333,575 33 



Liabilities. 

Losses adjusted, unpaid, $5,488 76 

claimed and reported, .... 17,681 05 

disputed or resisted, .... 200 00 

Total amount of losses, $23,369 81 

Less re-insurance, 229 CO 

Net amount of unpaid losses, .... $23,140 81 

Unearned premiums on outstanding risks, . 82,447 27 

Due and accrued for rent, salaries, etc., . . 516 00 

State and local taxes, 600 00 

Commissions and brokerage, .... 3,827 90 

Re-insurance, 283 60 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 

Paid-up capital, 



110,815 58 



.$222,759 75 
200,000 00 



Surplus over capital, . 



$22,759 75 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 



Gross cash income, 



$31,492 57 
713 92 

$30,778 65 
196,422 55 

$227,201 20 
31,656 58 

$195,544 62 
44,120 39 



sources, 



$151,424 23 

1,200 00 

9,258 10 

519 13 

$162,401 46 



184 



FIRE ASSOCIATION OF PHILADELPHIA. 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for repairs on real estate, 

Gross cash expenditures, . 

Risks and Premiums. 



$106,474 21 
28,303 84 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $26,958,313 00 

. 17,640,031 00 

. $44,598,344 00 

. 21,382,331 00 



. $23,216,013 00 
. 8,992,205 00 



$78,170 37 

20,000 00 

27,786 61 

21,398 00 

3,818 14 

11,521 44 

501 09 

$163,195 65 



Premiums. 

$250,483 19 
196,422 55 

$446,905 74 
213,613 89 

$233,291 85 
66,191 26 



. $14,223,808 00 $167,100 59 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$3,285,057 00 

1,591,997 00 

92,706 00 

494,000 00 

20,000 00 

63,950 00 



"FIRE ASSOCIATION OF PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated March 27, 1820. Commenced business Sept. 1, 1817.] 

Paid-up Capital, $500,000. 

E. C. IRVIN, President. BENJ. T. HERKNES3, Secretary. 



Detailed Statement of Stocks 



City of Philadelphia bonds, 
City of Camden bonds, 
City of Clay Centre bonds, 
City of Richmond certificates, . 
City of Cincinnati bonds, . 
City of Altoona bonds, 
State of Georgia bonds, . 
Northern Central Railway bonds, 
Catawissa Railroad bonds, 



and Bonds. 

Par Value. 

$372,900 00 

1,500 00 

3,000 00 

25,000 00 

125,000 00 

53,500 00 

25,000 00 

168,000 00 

10,000 00 



Market Value. 

$440,022 00 

1,800 00 

3,000 00 

28,750 00 

153,750 00 

53,500 00 

27,500 00 

191,520 00 

11,400 00 



FIRE ASSOCIATION OF PHILADELPHIA. 



185 



Lehigh Valley Railroad bonds, 
Shamokin Valley & Pottsville Railroad bonds, 
Philadelphia & Erie Railroad bonds, 
Belt Railroad & Stockyards bonds, . 
Louisville & Nashville Railroad bonds, 
Texas and Facific Railroad bonds, . 
Camden & Atlantic Railroad bonds, 
Pennsylvania Railroad bonds, . 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Cincinnati, Dayton & Ironton R.R. bonds, 
Chicago, Rock Island & Pacific R R. bonds, 
Northern Pacific Railroad bonds, 
Philadelphia & Reading Railroad bonds, 
Ohio River Railroad bonds, 
Evans ville & Terre Haute Railroad bonds, 
Philadelphia City Passenger R'y bonds, 
Central Car Trust Company bonds, . 
Port of Portland bonds, .... 
Baltimore & Ohio Equipment Asso. bonds, 
Pennsylvania & New York Canal bonds, 
Lehigh Coal & Navigation Company bonds, 
Chamber of Commerce Association bonds, 
Masonic Temple loan, .... 
Peoria Mercantile Library Association bonds, 
Under'rs 1 Prot've Asso. of NVark, N. J., bonds, 
2,230 shares Pennsylvania R.R. Co. stock, 
261 " Fire Assoc'n of Phila., $82,998 00 
331 " Phila., Germant'n & Norris'n R.R., 
70 " Chestnut Hill Railroad stock, 
20 " m Philadelphia Bourse, . 
5 " Underwriters 1 Salvage Company, 



Par Value. 

$132,000 00 
20,000 00 

100,000 00 
50,000 00 
84,000 00 
13,000 00 
30,000 00 

108,000 00 
20,000 00 
25,000 00 
25,000 00 
34,000 00 
10,000 00 
25,000 00 
50,000 00 
50,000 00 
34,000 00 
27,000 00 
25,000 00 
8,000 00 

100,000 00 

9,000 00 

20,000 00 

13,000 00 

1,000 00 

111,500 00 

16,550 00 

3,500 00 

1,000 00 

500 00 



Market Value. 

$163,240 00 
23,200 00 
114,000 00 
55,000 00 
92,820 00 
13,650 00 
31,500 00 
131,910 00 
20,400 00 
23,750 00 
25,000 00 
36,520 00 

6,800 00 
25,000 00 
50,000 00 
53,000 00 
34,000 00 
29,700 00 
25,000 00 

8,480 00 
126,000 00 

9,000 00 
20,000 00 
13,650 00 

1,000 00 
107,318 75 

43,361 00 

9,170 00 

500 00 

500 00 



$1,929,950 00 $2,204,711 75 



Securities hold as collateral for cash loans : — 

176 shares Pennsylvania R.R. stock, 

444 shares Merchants 1 National Bank, 

Northern Pacific Railroad bonds, 

100 shares Diamond State Iron Company, 

Belt Railroad and Stockyards bonds, 

30 shares Union National Bank, 

Portland University bonds, .... 

200 shares Lehigh Coal & Navigation Co., 

Fort Worth & Rio Grande Railroad bonds, 

Philadelphia & Reading Railroad bonds, 

100 shares PittsbV & Birmingham Tracts Co., 

Ohio River Railroad bonds, .... 

13 shares Fire Association stock, . $2,600 00 



Market Value. Loaned Thereon. 

1,470 00 >| 



39,960 00 

- 

10,000 00 J 

5,550 00 

2,280 00 

18,720 00 

10,400 00 ^ 

12,000 00 j 

1,500 00 } 

1,600 00 j 

5,100 00 J 



$40,000 00 

3,000 00 

1,850 00 

10,000 00 

25,000 00 



$115,580 00 ?79,850 00 



186 



FIRE ASSOCIATION OF PHILADELPHIA. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Re-insurance and salvage, 

Gross assets, ..... 
Deduct special deposits in other States, . 



Liabilities. 



Balance, 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding ri 
Reclaimable on perpetual fire policies, . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



31, 1893. 

$165,600 00 

1,727,518 85 

36,181 

2,204,711 7o 

79,850 (JO 

21,211 46 

237,214 03 

31,246 34 

457,951 57 

406 50 

9,230 49 



- |4,971,122 61 

108,950 00 

. $4362,172 61 



$219,265 62 

119,338 01 
36,151 99 



$374,755 62 
15,088 18 

8359,667 44 

1,617,174 94 

1,896,292 14 

5,633 10 

68,367 

104,663 49 

81,051,798 38 
35,360 39 



8357,599 07 
2,725,087 04 

83,082,686 11 
457,951 57 



82,624,734 54 
506,557 80 



4,016,437 99 



$845,734 62 
500,000 00 

8345,734 62 



82. 118,17' 74 



'Value of lands mortgaged, $2, 377,943 00 

Value of buildings thereon, 1,956,600 00 

Amount of insurance held as collateral 1,514,650 00 



THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA. 187 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, etc., 

Deposits received for perpetual fire risks, . $63,449 84 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, $1,706,797 84 

Deduct salvage and re-insurance, . . . 82,778 32 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . $57,060 83 

Gross cash expenditures, 

Risks and Premiums. 



§103,120 21 

131,221 14 

4,345 39 

§2,356,863 48 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 
Perpetual risks in force (not included above), 85,771,825 

Miscellaneous. 
Premiums received from organization of company, . ! 

Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (40 per cent.), 
Company's stock owned by directors, .... 



$250,818,910 00 

210,405,432 00 

$461,224,342 00 

205,329,716 00 

$255,894,626 00 

7,295,833 00 

$248,598,593 00 



§1,624,019 52 

200,000 00 

423,341 28 

222,256 44 

63,185 21 

20,282 46 

§2,553,084 91 

Premiums. 

$3,061,286 91 
2,658,297 74 

$5,719,584 Go 
2,480,480 54 

$3,239,104 11 
99,414 86 

$3,139,689 25 
2,051,768 00 

532,809,963 00 

19,345,850 00 

1,692,477 00 

4,579,762 00 

200,000 00 

36,950 00 



"THE FIRE INSURANCE COMPANY OF THE COUNTY OF 
PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated May 31, 1832. Commenced business April 19, 1833.] 

Paid-up Capital, $400,000. 

CHARLES R. PECK, President. E. A. LAW, Secretary pro tern. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Jersey City bonds, $9,000 00 $9,810 00 

Lehigh Valley Railroad bonds, . . . 13,000 00 15,880 00 



188 THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA. 



Delaware & Bound Brook Railroad bonds, 

North Pennsj-lvania Railroad bonds, 

Catawissa Railroad bonds, 

Pennsylvania Company bonds, 

Pennsylvania & N. Y. Canal and Railroad, 

11 shares Elmira & Williamsport Railroad, 

Hunt. & Broad Top Railroad and Coal Co., 

Pittsburgh, Cincinnati & St. Louis R.R. bonds 

American Steamship Company bonds, 

West Jersey Railroad bonds, . 

New York Car Trust bonds, 

United New Jerse}* Railroad and Canal Co., 

Philadelphia & Erie Railroad bonds, 

Pennsylvania Railroad bonds, . 

Junction Railroad bonds, . 

Camden & Atlantic Railroad bonds, 

Belvidere Delaware Railroad bonds, 

Connecting Railway bonds, 

264 shares Phila., Ger. & Norristown R.R., 

City of Camden bonds, 

Pennsylvania R.R. bonds, 

150 shares United Companies of New Jersey 

205 shares Germantown Passenger Railroad, 

Schuylkill River East Side Railroad bonds, 

Pennsylvania Steel Company bonds, 

Baltimore & Ohio Equipment Asso. bonds, 

100 shares 2d and 3d streets Passenger R.R., 

Pennsylvania & North Western Railroad, 

220 shares Pennsylvania Railroad, . 

Lehigh Valley Railway bonds, 

69 shares Nat'l Bank of the North'n Liberties, 

Lehigh Valley Railroad bonds, 

50 shares Electric. Traction Company of Phila., 



I'ar Value. 

$21,000 00 

12,000 00 

4,000 00 

6,000 00 

10,000 00 

550 00 

10,500 00 

20,000 00 

4,500 00 

7,000 00 

2,000 00 

20,000 00 

10,000 00 

11,000 00 

7,000 00 

4,000 00 

1,000 00 

3,000 00 

13,200 00 

1,000 00 

6,000 00 

15,000 00 

10,250 00 

15,000 00 

15,000 00 

12,000 00 

5,000 00 

10,000 00 

11,000 00 

25,000 00 

3,450 00 

5,000 00 

500 00 



Markc-t Value, 

829,760 00 

12,720 00 

4,520 00 

6,360 00 

11,500 00 

495 00 

10,972 50 

23,000 00 

4,590 00 

7,420 00 

2,000 00 

22,000 00 

11,300 00 

13,920 00 

7,630 00 

4,320 00 

1,100 00 

3,390 00 

34,320 0O 

1,170 00 

6,990 00 

34,050 00 

22,140 00 

15,937 50 

14,100 00 

12,000 00 

20,500 00 

10,250 00 

10,560 00 

23,500 00 

11,040 00 

5,975 00 

2,150 00 



Securities held as collateral for cash loans : - 

Philadelphia, Germ. & Chestnut Hill Railroad, 
200 shares Catawissa Railroad, 
86 shares City Trust and Surety Co., Phila., . 



$325,950 00 $427,370 00 

Market Value. Loaned Thereon. 

$2,000 00 



10,500 00 
10,148 00 



$10,000 00 
8,100 00 



§22,648 00 $18,100 00 



Summary of Assets Dec 31, 1893. 

Cash value of unencumbered real estate, . $67,500 00 

Loans on mortgage of real estate (first liens*), 217,150 00 



* Total value of property mortgaged $444,650 00 

Amount of insurance held as collateral, 162,200 00 



THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA. 189 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
•Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual deposits in other companies, . 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Keclaimable on perpetual fire policies, 
■Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income. 

Tire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from discount on perpetuals, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
"Net cash paid for fire losses, . 
Cash dividends paid, 



$3,343 30 

427,370 00 

18,100 00 

401 06 

73,478 44 

375 07 

27,505 80 

397 83 

4,638 51 



$1,889 96 
14,148 43 



$16,038 39 
437 76 

$15,600 63 

101,792 08 

232,679 25 

4,889 01 



$49,732 23 
212,936 27 

$262,668 50 
27,505 80 

§235,162 70 
59,460 38 



sources, . 



$38,368 21 



$188,480 35 
15,490 63 



$840,260 01 



354,960 97 

$485,299 04 
400,000 00 

$85,299 04 



$175,702 32 

11,160 01 

27,357 77 

1,993 96 

527 68 



f 2 16,741 74 



$172,989 72 
24,000 00 



190 



FIREMAN S FUND INSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 



$35,151 34 

10,450 80 

6,222 41 

11,217 76 



Deposits returned on perpetual fire risks, . $27,466 72 

Gross cash expenditures, $260,032 03 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . . 121,213,485 00 $247,184 86 



Fire risks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



18,033,421 00 212,936 27 



$39,246,906 00 
20,282,031 00 



. $18,964,875 00 
. 1,836,657 00 



Net amount in force, $17,128,218 00 

Perpetual risks in force (not included above), 10,631,257 00 

Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Company's stock owned by directors, .... 



6400,121 13 
235,368 77 



£224,752 36 
19,733 18 



$205,019 18 
256,957 29 



$2,303,356 00 

1,501,736 00 

139,492 00 

612,408 00 

24,000 00 

67,100 00 



"FIREMAN'S FUND INSURANCE COMPANY,'' SAN FRANCISCO, 

CAL. 

[Incorporated May 3, 1863. Commenced business June 18, 1863.] 

Paid-tjp Capital, $1,000,000. 

D. J. STAPLES, President. BERNARD FAYMOXVILLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Omnibus Cable Company's bonds, . . . $125,000 00 f 138,750 00 

Powell Street Railway Company's bonds, . 50,000 00 55,000 00 

Sutter Street Railway Company's bonds, . 50,000 00 51,500 00 

Presidio and Ferries R.R. Company's bonds, . 37,000 00 37,000 00 

Piedmont Cable Company's bonds," . . . 25,000 00 18,750 00 

Oakland City Gas, Light and Heat Co.'s bonds, 50,000 00 50,500 00 

San Diego Gas and Electric Light Co.'s bonds, 20,000 00 20,400 00 

Riverside Water Company's bonds, . . . 70,000 00 70,700 00 

Pacific Rolling Mills bonds, .... 16,000 00 16,160 00 



fireman's FUND INSURANCE CO. 



191 



San Pascual School District bonds, . 

Olympic Club bonds, .... 

2,986 shares Home Mutual Insurance Co., 

60 " Bank of California, 

107 " First National Bank, . 

100 " Anglo-California Bank, 

314 " Grangers' Bank of California, 

450 " Oakland Bank of Savings, . 

240 " Sather Banking Company, . 

1,000 " California Street Cable R.R. Co 

550 " Presidio and Ferries R.R. Co., 

440 " Sutter Street R.R. Company, 

550 " Oakland Gas, Light and Heat Co, 

500 " Spring Valley Water Company, 

400 " Pacific Gas Improvement Co., 

656 " California Dry-Dock Company, 

500 " Pacific Rolling Mills, . 

684 " Stockton Gas, Light and Heat Co 

190 " Cala. Safe Deposit and Trust Co . 

5 " Underwriters' Salvage Company, 



Par Value. 

$18,750 00 

5,000 00 

298,600 00 

6,000 00 

10,700 00 

5,000 00 

31,400 00 

22,500 00 

20,000 00 

100,000 00 

30,250 00 

44,000 00 

11,000 00 

50,000 00 

13,333 34 

65,600 00 

50,000 00 

12,170 00 

8,550 00 

500 00 



Market Value. 

$18,750 00 

5,000 00 

582,270 00 

13,500 00 

19,260 00 

6,750 00 

31,400 00 

33,750 00 

26,880 00 

105,000 00 

9,900 00 

44,000 00 

23,100 00 

49,000 00 

31,400 00 

24,600 00 

32,500 00 

7,170 00 

8,930 00 

500 00 



$1,246,353 34 $1,532,420 00 



Securities held as collateral for cash loans : - 

440 shares Masonic Hall Association, 

20 shares Spring Valley Water Company, 
Zion Savings Bank and Trust Co. cert, of dep., 
451 shares Bank of Sonoma County, 
10 " Citizens' Building and Loan Asso., 
1,000 " Geary Street Park and Ocean R.R., 
Blue Lakes Water Company bonds, 
25 shares Savings Bank of Santa Rosa, . 
50 shares Eagle Canning Company, 



Market Value. 

$6,600 00 

1,960 00 

50,000 00 

51,865 00 

690 00 

85,000 00 

10,000 00 

3,500 00 

2,000 00 



Loaned Thereon. 

$5,500 00 

1,400 00 

50,000 00 

38,000 00 

420 00 

65,000 00 

5,000 00 

500 00 

801 65 



$211,615 00 $166,621 65 



Summary op Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $326,200 00 

Loans on mortgage of real estate (first liens*), 397,375 00 

Interest due or accrued thereon, . . . 5,066 51 

Stocks and bonds, as per schedule, . . . 1,532,420 00 

Loans on collateral security, as per schedule, . 166,621 65 

Cash in the office of the company, . . . 10,048 85 

Cash deposited in bank, 243,738 47 



* Value of lands mortgaged $893,000 00 

Value of buildings thereon, 218,300 00 

Amount of insurance held as collateral, .... 152,400 00 



192 



fireman's FUND INSURANCE CO. 



Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire, marine and inland risks, 
Re-insurance, etc., ..... 

Gross assets, 

Deduct special deposits in other States, . 



$6,62.', 

337,432 10 

66,791 7-1 

10,170 10 



$3,111,489 67 
50,000 00 



Balance, $3,061,489 G7 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Bills payable, etc., .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$67,168 22 

127,907 90 

20,113 80 

$215,189 92 
29,682 45 

$185,507 47 

1,190,026 39 

28,140 46 

21,316 03 

31,424,990 35 
23,329 08 



1,401,661 27 

81,659,828 40 

1,000,000 00 

$659,828 40 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed; . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash marine premiums received, 
Interest received on mortgages, 



$301,340 78 
2,097,768 61 

$2,399,109 39 
320,438 93 

$2,078,670 46 
629,848 31 

$102,146 50 
404,270 49 

$506,416 99 
74,896 63 

$431,520 36 
197,489 44 



£1,448,822 15 



234,030 92 
22,911 49 



fireman's FUND INSURANCE CO. 



193 



Interest and dividends received from all other sources, . . $104,60-4 63 
Income from rents, 19,721 07 



Gross cash income $1,830,180 26 



Expenditures. 

Cash paid for fire losses $1,094,825 98 

Deduct salvage and re-insurance, . . . 183,826 88 

Net cash paid for fire losses, .... 

Cash paid for marine an^ inland losses, . . $201,716 01 
Deduct salvage and re-insurance, . . . 81,590 83 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$910,999 10 



120,125 18 
120,000 00 
218,157 67 
158,819 47 
31,597 59 
1-47,372 40 



.,707,071 41 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$176,709,531 00 
156,152,811 00 



Premiums. 

$2,326,162 42 
2,097,768 61 



$332,862,342 00 
150,607,810 00 



$4,423,931 03 
2,026,133 06 



$182,254,532 00 
19,289,758 00 



1,397,797 97 
295,055 41 



$162,964,774 00 $2,102,742 b& 



$6,551,485 00 
40,636,710 00 



$262,637 23 
404,270 49 



$47,188,195 00 
43,565,974 00 



$666,907 72 
497,459 42 



$3,622,221 00 
1,309,580 00 



$169,448 30 
65,459 75 



$2,312,641 00 $103,988 55 



Miscellaneous. 

Premiums received from organization of company', 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, . . . . 



$25,063,092 00 

12,522,351 00 

931,322 25 

116,370 81 

2,296,060 00 

120,000 00 

152,600 00 



194 



FIREMEN S INSURANCE CO. OF BALTIMORE. 



"THE PRESIDENT AND DIRECTORS OF THE FIREMEN'S IN- 
SURANCE COMPANY OF BALTIMORE," BALTIMORE, ML). 

[Incorporated December, 1825. Commenced business Aug. 2, 1826.] 

Paid-up Capital, $378,000. 

F. E. S. WOLFE, President. HARRY L. RIALL, Secretary. 



Detailed Statement of Stocks 



Virginia State bonds, 

Tennessee State bonds, 

Baltimore city bonds, .... 

285 shares Commercial and Farmers' N'l Ba;k 

200 ' 

58 ' 
132 ' 
808 • 

50 4 

55 ' 

4 ■ 

112 ' 



1 Natl Farmers" and Planters' Bank 

1 Merchants' National Bank, 

' National Bank of Baltimore, . 

' Mechanics 1 National Bank, 

' Nat'l Farmers 1 and Merchants 1 Bank 

1 People's Bank, 

1 Equitable National Bank, 

1 National Marine Bank, . 

Georgia Pacific Railroad bonds, 

Western North Carolina Railroad bonds, 

Pittsburg & Connellsville Railroad bonds, 

Chesapeake Gas Company bonds, . 

Ohio & Mississippi Railroad bonds, . 

Columbia & Greenville Railroad bonds, . 

Northern Central Railroad bonds, . 

Columbus & Cincinnati Midland R.R. bonds, 

Georgia, Carolina & Northern Railroad bonds 

Frederick County, Md., bonds, . 

Sioux City Railroad bonds, 

200 shares Baltimore City Passenger Railway 
50 shares George's Creek Coal and Iron Co. 

Baltimore City Passenger Railway, . 

238 shares German Fire Insurance Company, 
50 " Baltimore Fire Insurance Company 

200 " Howard Fire Insurance Company, 

100 " Associated Firemen's Insurance Co. 



and Bonds. 

Par Value. 

$37,556 00 

34,000 00 

129,400 00 

28,500 00 

5,000 00 

5,800 00 

13,200 00 

8,080 00 

2,000 00 

1,100 00 

400 00 

3,360 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

20,000 00 

10,000 00 

5,000 00 

5,000 00 

3,000 00 

2,380 00 

500 00 

1,000 00 

500 00 



Market Value. 

$ 13,675 60 
26,010 
139,02<» 
35,625 00 
9,6<» 
8,52- 

19,404 00 

12,120 00 

3,100 00 

990 00 

380 CO 

4,4*0 00 

'0 00 

00 

5,550 00 

10,700 00 

5,650 00 

9,000 00 

5,650 00 

4,700 00 

9,000 00 

20,000 00 

10,000 00 

18,000 00 

5,400 00 

3,000 00 

4,403 00 

1,100 00 

1,300 00 

650 00 



$375,776 00 $396,033 60 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $146,875 00 

Stocks and bonds, as per schedule, . . . 396,033 60 

Cash in the office of the company, . . . 14,757 56 

Cash deposited in bank, 22,175 09 



FIREMEN'S INSURANCE CO. OF BALTIMORE. 



105 



Interest due and accrued, $5,909 42 

Premiums in course of collection (gross), . 7,292 00 

Rents due and accrued, 1,261 46 

Office furniture, etc.,. . . .$3,932 52 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, $3,878 87 

Losses claimed and reported, .... 9,925 00 

Unearned premiums on outstanding risks, . 97,690 76 

Reclaimable on perpetual fire policies, . . 1,684 80 

Diivdends to stockholders unpaid, . . . 1,562 76 

Due and accrued for rent, salaries, etc., . . 249 78 

State and local taxes, 639 75 

Commisions and brokerage, .... 1,458 41 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 

Paid-up capital, 



Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $5,196 79 

Premiums on risks written or renewed, . . 228,425 93 

Total, $233,622 72 

Premiums now in course of collection, . . 7,292 00 

Entire premiums collected, .... $226,330 72 
Less re-insurance and return premiums, . . 64,540 03 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, 



$594,304 13 



117,090 13 



$477,214 00 
378,000 00 



$99,214 00 



$161,790 69 

18,003 69 

3,207 31 



Gross cash income, $183,001 69 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

lor State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, 



$120,738 47 
4,414 57 



$116,323 90 
22,188 60 
34,267 75 
10,103 84 
11,737 62 
7,398 35 



$530 00 



Gross cash expenditures, 



$202,020 06 



196 



FIREMEN S INSURANCE CO. OF NEWARK, N. J. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



.121,440,988 00 
. 23,770,494 00 



Premiums. 

1209,940 43 

228,425 93 



$45,211,482 00 $438,366 36 
19,763,524 00 223,438 42 



$25,447,958 00 $214,927 94 
4,080,047 00 27,959 25 



Net amount in force, $21,367,91100 $186,968 69 

Perpetual risks in force (not included above), 47,185 00 1,773 47 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during 1 the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



§6,861,550 00 

3,529,802 00 

101,943 00 

3,283,189 00 

22,680 00 

37,530 00 



"FIREMEN'S INSURANCE COMPANY OF NEWARK, N. J.." 

NEWARK, N. J. 

[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855.] 

Paid-up Capital, $600,000. 

JOHN H. KASE, President. CHAS. COLTER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $30,000 00 $32,500 00 

Morris & Essex Railroad bonds, . . . 50,000 00 68,750 00 

Orange & Newark Railroad bonds, . . . 40,000 00 44,000 00 

Essex Pass. Railway bonds, .... 24,000 00 26,400 00 

Montelair Gas & Water Company bonds, . 5,000 00 5,000 00 

East Orange Township bonds, . . . . 1,49190 1,49190 

Underwriters' Prot. Association bonds, . . 1,000 00 1,000 00 

United N. J. Railroad & Canal Co. stock, . 13,900 00 31,831 00 

Delaware, Lack. & Western Railroad stock, . 60,000 00 96,600 00 

Morris & Essex Railroad stock, . . . 70,000 00 105,700 00 

Newark City National Bank stock, . . . 20,000 00 30,400 00 

Second National Bank stock, .... 20,000 00 28,000 00 

National Newark Banking Company stock, . 20,000 00 32,000 00 

National State Bank stock, .... 32,50000 48,75000 

Essex County National Bank stock, . . 20,000 00 49,000 00 



FIREMEN'S INSURANCE CO. OF NEWARK, N. J. 



197 



German National Bank stock, . 
Manufacturers' National Bank stock, 
Newark Electric Light & Power Company, 
Newark Fire Insurance Company stock, . 
Paterson Gas Light Company stock, 
Newark Gas Light Company stock, . 
Citizens 1 Gas Light Company stock, 
Newark & Rosendale Cement Co. stock, . 



Par Value. 

$4,200 00 

10,000 00 

6,000 00 

5,000 00 

10,000 00 

11,000 00 

11,850 00 

4,000 00 



Market Value. 

$7,560 00 

15,000 00 

6,840 00 

7,500 00 

12,000 00 

29,150 00 

22,515 00 

3,200 00 



$469,941 90 §705,187 90 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Premiums more than 3 months due, $1,695 47 
Gross assets, 



31, 1893. 

$122,476 39 

974,497 44 

13,710 85 

705,187 90 

5,185 34 

14,639 39 

6,413 00 

40,094 76 

358 00 



- $1,882,563 07 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Commissions and brokerage, . 
Re-insurance and return premiums, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . . . 



$6,688 60 

80,583 78 

5,070 00 

$42,342 38 
39 60 

$42,302 78 

305,230 51 

1,909 00 

501 75 

6,829 00 

5,953 00 



362,726 04 



. $1,519,837 03 
600,000 00 



. $919,837 03 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$2,312,525 00 
1,251,500 00 



198 



FIREMEN S INSURANCE CO. OF NEWARK, N. J. 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, $326,740 92 

Deduct salvage and re-insurance, . . . 11,473 91 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for repairs on real estate, 

Gross cash expenditures, . 

Risks and Premiums. 



$49,228 14 
1,807 68 

§47,420 46 
448,053 37 

$495,473 83 
41,790 23 

$453,683 60 
64,366 26 



sources, 



$389,317 34 

51,523 51 

38,746 16 

8,770 74 

$488,357 75 



$315,267 01 

72,000 00 

50 00 

15 50 

72,335 11 

21,909 21 

19,478 50 

24,090 19 

1,350 79 

$526,496 31 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, ■ . 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$70,158,986 00 $573,394 84 
45,693,176 00 448,053 37 



$115,852,162 00 $1,021,448 21 
46,303,627 00 417,795 96 



$69,548,535 00 $603,652 25 
1,312,263 00 11,823 14 



$68,236,272 00 $591,829 11 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$6,516,173 00 

3,059,684 00 

294,336 00 

1,398,500 00 

72,000 00 

218,220 00 



FRANKLIN FIRE INSURANCE CO. OF PHILADELPHIA. 



199 



"FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA, 1 ' 

PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced business June, 1829.] 

Paid-up Capital, $400,000. 

JAMES W. MCALLISTER, President. EZRA T. CRESSON, Secretary. 



Detailed Statement of Stocks and Bonds. 



City of Springfield, 111., bonds, 

City of Sandusky, O., bonds, . 

10 shares Philadelphia Bourse stock, 

City of Camden, N. J., bonds, . 

Pittsburgh. Chartiers & Youghiogheny R.R., 

Allegheny Valley Railroad bonds, . 

Pennsylvania Railroad bonds, . 

Shamokin, Sunbury & Lewisburg bonds, 

Chartiers R. W. bonds, .... 

Pennsylvania Equipment Trust bonds, . 

Delaware River Ferry bonds, . 

Penn. & New York Canal & R.R. bonds, . 

Wilmington & Weldon Railroad bonds, . 

Pennsylvania Equipment Trust bonds, . 

Jacksonville, Louisville & St. Louis R.R., 

Lehigh Valley Railroad bonds, 

Huntington & Broad Top Railroad, . 

North Pennsylvania Railroad bonds, 

50 shares Independence National Bank, . 

Philadelphia city bonds, .... 

Lehigh Valley Railroad bonds, 

Huntington & Broad Top Railroad bonds, 

Pennsylvania Railroad bonds, . 

West Jersey Railroad bonds, . 

Penn. & New York Canal and Railroad bonds 

Phila., Wilmington & Baltimore R.R. bonds, 

Philadelphia & Erie Railroad bonds, 

50 shares First National Bank, Philadelphia, 

Belvidcre Delaware Railroad bonds, 

City of Quincy, 111., bonds, 

100 shares Southwark National Bank, 

Gloucester County, N. J., bonds, 

Northern Pacific Railroad, 

Iowa City & Western Railroad bonds, 

National Water Works Company, New York 

Delaware & Bound Brook Railroad bonds, 

Chicago & Western Indiana Railroad bonds, 

Pennsylvania Railroad Trust loan, . 

Infantry Battalion of State Fencibles bonds, 



Par Value. 

84,000 00 
55,000 00 
500 00 
40,000 00 
50,000 00 
50,000 00 
70,000 00 
10,000 00 

6,000 00 

1,000 00 
10.000 00 
33,000 00 
30,000 00 
12,000 00 
11,000 00 
11,000 00 
29,000 00 

4,0C0 00 

5,000 00 
43,900 00 
51,000 00 
11,500 00 
61,000 00 

7,000 00 
10,000 00 
28,000 00 
10,000 00 

5,000 00 
21,000 00 
19,000 00 

5,000 00 
19,000 00 

6,000 00 
20,000 00 
25,000 00 

8,000 00 

14,000 00 

30,000 00 

100 00 



Market Value. 

$4,120 00 
59,400 00 
250 00 
40,000 00 
55,000 00 
54,000 00 
79,975 00 
10,200 00 

6,900 00 

1,000 00 
10,000 00 
39,600 00 
31,800 00 
12,000 00 
11,000 00 
11,907 50 
29,000 00 

4,240 00 

6,250 00 
45,288 00 
58,880 00 
11,960 00 
77,890 00 

7,437 50 
10,700 00 
28,030 00 
10,075 00 
10,000 00 
21,000 00 
19,000 00 
11,000 00 
19,000 00 

6,000 00 
20,000 00 
25,000 00 

8,400 00 

14,630 00 

30,900 00 

100 00 



200 FRANKLIN FIRE INSURANCE CO. OF PHILADELPHIA. 



Columbus & Cincinnati Midland Railroad, 

125 shares Phi la., Wilm. & Baltimore K.R., 

St. Paul, Minn. & Manitoba Railroad, 

Baltimore and Potomac Railroad, . 

Penn & New York Canal and Railroad, . 

West Jersey Railroad bonds, . 

Hest., Mantua & Fairmount Pass. Railway, 

Connecting Railroad bonds, 

Easton & Amboy Railroad bonds, . 

Lehigh Valley Railroad bonds, 

Elmira & Williamsport Railroad bonds, . 

Phila., Wilm. & Bait. Trust Certificate bonds 

N. Y., Larkawanna & Western Railroad, 

West Jersey Railroad bonds, . 

New York Central Railroad bonds, . 

Harrisb'g, Portsm'th, Mt. Joy & Lan. R.R., 

Lehigh Coal & Navigation Company bonds, 

Northern Central Railroad, . " . 

16 shares Continental Hotel Company, . 

Steubenville <& Indiana Railroad, 

Pennsylvania Salt Manufacturing Co. bonds, 

Camden & Atlantic Railroad bonds, 

Northern Central Railroad bonds, . 

Philadelphia & Erie Railroad bonds, 

500 shares Mine Hill & Schuylkill Haven R.R. 

25 shares Penn. Co. for Ins. on Lives, etc., 
Lehigh Valley Coal Company bonds, 
Baltimore & Ohio Railroad bonds, . 
Northern Central Railroad bonds, . 
River Front Railroad bonds, 
Camden & Atlantic Railroad bonds, 
Borough of Beaver, Penn., bonds, . 
Philadelphia & Reading Railroad, . 
Pennsylvania Car Trust, .... 
St. Louis, Vandalia & Terre Haute R.R bonds 
Pitts., Cincinnati & St. Louis R.R. bonds, 
City of Columbus, ()., Water Works bonds, 
Lehigh Valley Railroad, .... 
Girard Point Storage bonds, 
City of Allegheny, Penn., 

Securities held as collateral for cash loans : - 

200 shares Delaware & Hudson Canal Co., 
200 " Central Railroad of New Jersey, . 
200 " Pitts., Cinn., Chic. & St. Louis R.R., 
100 " United Gas Improvement Co., 
100 " Insurance Co. of North America, . 



Par Value. 

$25,000 00 
6,250 00 
2,000 00 
123,000 00 
35,000 00 
14,000 00 
10,000 00 
20,000 00 
25,000 00 
40,000 00 
10,000 00 
25,000 00 
25,000 00 
23,000 CO 
25 000 00 
25,000 00 
10,000 00 
15,000 00 
1,600 00 
60,000 00 
47,000 00 
14,000 00 
16,000 00 
10,000 00 
25,000 00 
2,500 00 
20,000 00 
25,000 00 
35,000 00 
16,000 00 
11,000 00 
24,200 00 
91/00 00 
20,000 00 
14,000 00 
46,000 00 
25,000 00 
100,000 00 
20,000 00 
4,000 00 



Market Value. 

|22,625 (»0 
7,218 75 
2,180 00 

145,755 00 
37,450 00 
16,030 00 
10,150 00 
23,300 00 
26,750 00 
43,300 00 
10,400 00 
25,000 00 
32,250 00 
26,680 00 
25,000 00 
26,000 00 
10,550 00 
16,350 00 
2,160 00 
63,i:00 00 
50,055 00 
16,240 00 
17,000 00 
11,350 00 
35,000 00 
12,487 50 
18,000 00 
24,000 00 
39,580 00 
16,000 00 
11,660 00 
25,410 00 
98,615 CO 
20,000 00 
15,120 00 
52,900 0) 
25,750 00 

104,400 00 

16,000 00 

4,120 00 



$1,911,550 00 $2,087,769 25 

Market Value. Loaned Thereon. 

$26,000 00 'l 

22,400 00 | 

8,100 00 j> $45,000 00 

6,000 00 j 

1,875 00 J 



FRANKLIN FIRE INSURANCE CO. OF PHILADELPHIA. 201 



Bay State Gas Company, .... 
300 shares Baltimore Traction Company, 
200 " Insurance Co. of Nortfi America, 
100 " United Gas Improvement Co., 
100 " Tradesmen's National Bank, . 

58 " Phil a , Mortgage & Trust Co., 
Philadelphia & Reading Railroad, . 
200 shares United Gas Improvement Co., 
200 " Baltimore Traction Company, 
100 " Metropolitan Traction Company, 
100 " Duquesne Traction Company, 
353 " United Gas Improvement Co., 
100 " N. Y., Chicago & St. Louis R.R., 

50 " People's Traction Company, . 

15 " Metropolitan Traction Company, 
6 " Penn. Co. for Ins. on Lives, etc., 

Philadelphia & Reading Railroad bonds, 
Union Pacific, Denver & Gulf Railroad, 
Missouri, Kansas & Texas Railroad, 
Texas & Pacific Railroad, 
Richmond & West Point Railroad, . 
Perkiomon Railroad, 
Detroit Gas Company, 
550 shares North American Company stock, 
200 " Pitts., Cin., Chic & St. Louis R.R. 
200 " Western N. Y. & Penn. Railroad, 
100 " Union Pacific Railroad, . 
100 " Iowa Central Railroad, . 
125 " Atch., Top. & Santa Fe R.R., . 
125 " Louis v'e, New Alb'y & Chic. R R , 

16 " Philadelphia Traction Company, 
10 " Corn Exchange Nat'l Bank, . 

5 " Guarantee Trust and Safe Deposit, 
"Western New York & Pennsylvania Railroad, 
Philadelphia & Reading Railroad, . 
Newark Passenger Railway, . 
Union Pacific, Denver & Gulf Railroad, 
Pennsylvania Canal Company, 
700 shares Union Pacific, Denver & Gulf R.R. 
100 " North American Company, . 
100 " Western N. Y. & Penn R.R., . 
100 " Wheeling & Lake Erie Railroad, 
100 " North Pacific Railroad, . 
100 " Tennessee Coal & Iron Company, 
236 " Louisville, New Albany Railroad, 
25 " Denver & Rio Grande Railroad Co. 
23 " Buffalo Passenger Railway Co., 
75 " Atch., Topeka & Santa Fe R.R., 
20 " Lehigh Coal & Navigation Co., 



Market V 

$1,410 

4,950 

3,750 

6,000 

10,000 

5,800 

3,050 

12,000 

3,300 

10,000 

2,300 

21,180 

2,600 

1,437 

1,500 

2,997 

8,130 

2,000 

3,080 

540 

380 
1,000 

560 
2,062 
2,100 

425 
1,800 

600 
1,312 
1,031 
1,424 

730 

950 
2,000 
4,367 
6,370 
1,200 

630 
3,150 

375 

212 
1,237 

450 

142 
3,510 

737 
1,012 

787 
1,040 



alue. 

00 
00 
00 
00 ( 
00 j 
00 J 
00 
00 ( 
00 [ 
00 I 
00 j 

ooi 

00 j 
50 [ 
00 
00 J 
00 ' 

oo 

00 
00 
00 
00 
00 
50 

00 
00 

oo 

00 
50 
25 

00 
00 
00 

ool 

50 
00 
00 
00 
00 
00 
50 
50 
00 
50 
50 
50 
00 
50 
00 J 



Loaned Thereon. 



} $25,000 00 



25,000 00 



25,000 00 



} 25,000 00 



y 25,000 00 



202 FRANKLIN FIRE INSURANCE CO. OF PHILADELPHIA. 



Philadelphia & Reading Coal and Iron Co., 
Phila. & Reading Delaware River Terminal, 
500 shares Philadelphia & Reading Railroad, 
300 " New York & New England R.R., 
100 " United Gas Improvement Co., 
100 " Finance Company, . 
80 " Wayne Title and Trust Company, 
400 " Philadelphia Traction Company, 
100 " United Gas Improvement Co., 
McKeesport & Belle Vernon Railroad bonds, 
150 shares Record Publishing Co. stock, . 
Record Publishing Company bonds, 
57 shares Thirteenth & Fift'th Sts. Pass. R'y, 



Market Value. Loaned Thereon. 

$3,800 00 >j 

3,000 00 

4,375 00 

3,037 50 

6,000 00 

5,000 00 

1,620 00 
35,600 00 

6,000 00 
29,500 00 
18,000 00 
15,000 00 
11,970 00 



$25,000 00 



25,000 00 

25,000 00 

12,500 00 

10,000 00 

10,000 00 



$354,899 75 $277,500 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$291,100 00 

283,358 00 

5,053 86 

2,087,769 25 

277,500 00 

3,850 17 

106,077 87 

2,854 53 

73,025 81 



$24,435 45 

17,751 91 

355 18 

$42,542 54 

2,503 95 

$40,038 59 

480,021 01 

1,245,484 48 

360 00 

10,953 87 



$3,130,589 49 



1,776,857 95 

$1,353,731 54 
400,000 00 

$953,731 54 



* Total value of property mortgaged, 
Amount of insurance held as collateral, . 



$930,395 00 
467,033 00 



FRANKLIN FIRE INSURANCE CO. OF PHILADELPHIA. 203 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from transfer fees, etc., 
Deposits received for perpetual fire risks, 



Gross cash income, $657,249 60 



$68,441 30 
617,535 72 



$685,977 02 

73,025 81 

$612,951 21 

105,632 78 



sources, 



$507,318 43 

39,923 74 

99,112 90 

9,082 53 

1,812 00 



$15,359 33 



Expenditures. 
Cash paid for fire losses, $334,123 35 

Deduct salvage and re-insurance, . . . 11,220 07 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for agency and incidental expenses, 

for repairs on real estate, 
Deposits returned on perpetual fire risks, . $52,023 06 

Gross cash expenditures, 

Risks and Premiums. 



$322,903 23 
80,187 50 
93,581 90 
37,577 50 
22,004 59 
89,009 13 
5,007 87 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$84,128,988 00 
53,890,611 00 



$138,019,599 00 
53,588,441 00 



$650,271 77 

Premiums. 

$927,815 35 
617,535 72 

;l,545,351 07 
596,215 55 



$84,431,158 00 
3,207,458 00 



$949,135 52 
36,097 55 



Net amount in force, .... $81,223,700 00 $913,037 97 

Perpetual risks in force (not included above), 59,485,608 00 1,350,459 65 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent ), 
Company^ stock owned by directors, .... 



$28,994,022 00 

15,569,465 00 

323,441 00 

5,194,000 00 

80,000 00 

25,200 00 



204 



GERMAN- AMERICAN INSURANCE CO. 



" GERMAN-AMERICAN INSURANCE COMPANY," NEW YORK. 

[Incorporated March, 1872. Commenced business March 7, 1872.] 

Paid-up Capital, $1,000,000. 

EMIL OELBERMANN, President. JAMES A. 8ILVEY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $310,000 00 $343,100 00 

New York city bonds, 1,012,784 00 1,012,784 00 

Allegheny Street Railway bonds, . . . 25,000 00 25,000 00 

Brooklyn city bonds, 75,000 00 75,000 00 

Troy (N. Y) City Railway bonds, . . . 25,000 00 25,000 00 

St. Louis, Mo., bonds, 100,000 00 100,000 00 

Portland, Ore., bonds, 50,000 00 50,000 00 

Atlanta, Ga., bonds, 25,000 00 25,000 00 

Maryland Steel Company bonds, . . . 50,000 00 50,000 00 

Nashville, Tenn., water bonds, . . . 25,000 00 25,000 00 

Minneapolis, L & M. Street Railway bonds, . 25,000 00 25,000 00 

Albany & Susquehanna Railroad bonds, . . 75,000 00 87,000 00 

Chicago, Rock Island & Pacific R R. bonds, . 150,000 00 1G 1,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 130,000 00 140,950 00 

Chicago & Northwestern Railroad bonds, . 155,000 169,650 00 

Chicago, Burlington & Quincy Railroad bonds, 55,000 00 53,900 00 

Central Pacific Railroad bonds, . . . 50,000 00 50,875 00 

Col., Hock Valley & Toledo Railroad bonds, . 25,000 00 21.5C0 00 

Erie Railroad bonds, 10 ',000 00 133,500 00 

Kansas Pacific Railroad bonds, . . . 50,000 00 50,750 00 

Little Miami Railroad bonds 25,000 00 27,500 00 

Louisville & Nashville Railroad bonds, . . 24,000 00 26,400 00 

Missouri Pacific Railroad bonds, . . . 50,000 00 47,000 00 

New l r ork, New H. & Hartford debentures, . 7,800 00 11,700 00 

New York, Lackawanna & Western R.R. bonds, 100,000 00 126,000 00 

New York, Susq. & Western R.R. bonds, . 25,000 00 25,750 00 

New York Central Railroad bonds, . . . 100,000 00 107,000 GO 

New York, Chicago & St. Louis R R. bonds, . 45,000 00 43,650 00 

Erie Railroad bonds, 25,000 00 18,750 00 

Omaha & St. Louis Railroad bonds, . . 57,000 00 28,500 00 

Pennsylvania Company bonds, . . . 55,000 00 57,910 00 

St. Louis, Kansas City & No. R.R bonds, . 60,000 00 63,150 00 

St. Paul, Minn. & Manitoba R.R. bonds, . . 30,000 00 35,250 00 

Syracuse, Bing. & New York R.R. bonds, . 30,000 00 37,800 00 

Western Union Telegraph Company bonds, . 25,000 00 26,125 00 

Union Pacific Railroad bonds, .... 50,000 00 50,700 00 

100 shares Albany & Susquehanna Railroad, 10,000 00 16,000 00 

1,350 « Chicago, Rock Island & Pac. R.R., 135,000 00 85,725 00 

2,000 " Cleveland, Cin. Chic. & St. L. R.R, 20-1,000 00 170,000 00 

1,000 " Cayuga & Susquehanna Railroad, 30,000 00 39,900 00 

500 " Chicago, Mil. & St, Paul R.R , . 50,000 00 58,000 00 



GERMAN-AMERICAN INSURANCE CO. 



205 



1,000 shares Chicago & Northwestern R.R., 

200 " Detroit, Hillsdale & S W. R.R., 

1,200 " Morris & Essex Railroad, . 

2,633 " New York & Harlem Railroad, 

392 " New York, New Haven & H. R R. 

200 " New York, Lack. & West. RR, 

2,550 " Pennsylvania Railroad, 

500 " Rensselaer & Saratoga R.R., 

300 " St. Paul, Minn. & Manitoba R.R. 

100 " American Exchange Nat. Bank, 

200 " Central National Bank, 

175 " Bank of America, 

200 " Bank of Commerce, 

200 " Fourth National Bank, 

221 " German American Bank, 

1,000 " Consolidated Gas Company, 

300 " New York Mutual Gaslight Co., 

500 " Standard Oil Trust, . . . 

10 " Underwriters 1 Salvage Company, 

410 " Western Union Telegraph Co., . 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of colleciion (gross), 

Gross assets,* 

Deduct special deposits in other States, . 



Balance, 



Liabilities, 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Par Value. 

$100,000 00 
20,000 00 
60,000 00 

131,650 00 
39,200 00 
20,000 00 

127,500 00 
50,000 00 
30,000 00 
10,000 00 
20,000 00 
17,500 00 
20,000 00 
20,000 00 
16,575 00 

100,000 00 

30,000 00 

50,000 00 

1,000 00 

41,000 00 



Market Value. 

$118,875 00 
17,200 00 
91,050 00 

329,125 00 
70,560 00 
22,000 00 

122,720 00 
87,000 00 
31,500 00 
14,500 00 
23,000 00 
32,375 00 
34,400 00 
40,000 00 
19,890 00 

125,000 00 

43,500 00 

76,500 00 

1,000 00 

36,520 00 



$4,551,009 00 $5,061,564 00 

31, 1893. 

$ 40,000 00 

5,064,564 00 

10,388 36 

463,641 88 

418,808 86 

$5,997,403 10 

131,400 00 



$5,866,003 10 



$149,365 58 

395,011 91 

29,428 68 

$573,806 17 
18,136 79 

$555,669 38 

2,700,619 30 

83,761 72 

$3,340,050 40 
96,455 23 



$3,243,595 17 



* Including $500,000 special reserve fund held under New York law. 



206 



GERMAN- AMERICAN INSURANCE CO. 



Surplus as regards policy-holders, . 
Paid-up capital, .... 



. $2,622,407 93 
. 1,000,000 00 



Surplus over capital, $1,622,407 93 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $375,103 28 



Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 



4,249,087 44 

$4,624,190 72 
418,808 86 

$4,205,381 86 
1,184,755 41 



83,020,626 45 
245,328 83 



Gross cash income, £3,265,955 28 



Expenditures. 

Cash paid for fire losses, $2,219,386 71 

Deduct salvage and re-insurance, . . . 298,109 80 
Net cash paid for fire losses, . . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 



Gross cash expenditures, 



fl.921,276 91 

200,000 00 
461,285 31 
226,138 94 
75,692 23 
334,866 74 



. $3,219,260 13 



Risks and Premiums. 

rreminras. 

Fire risks outstanding Dec. 31, 1892, . $530,319,874 00 $4,948,153 68 
Fire risks written during 1893, . . 410,567,744 00 4,249,087 44 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$940,887,618 00 $9,197,241 12 
385,222,316 00 3,808,610 86 



$555,665,302 00 $5,388,630 26 
16,626,665 00 195,748 07 



$539,038,637 00 $5,192,882 19 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (20 per cent), . 

Company's stock owned by directors, .... 



$37,903,441 00 

19,695,051 00 

2,149,445 CO 

2,940,000 00 

200,000 00 

287,800 00 



GERMANIA FIRE INSURANCE CO. 



207 



"GERMANIA FIRE INSURANCE COMPANY, 1 ' NEW YORK, X. Y. 

[Incorporated March 2, 1809. Commenced business March 2, 1359.] 
Paid-up Capital, $1,000,000. 

HUGO SCHUMANN, President. CHARLES RUYKHAVER, Secretary. 






Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $839,600 00 $959,243 00 

Am. Dock and Improvement Company bonds, 25,000 00 27,812 50 

Atchison, Topeka & Santa Fe Railroad bonds, 25,000 00 17,000 00 

Chicago & Northwestern Railway Co. bonds, . 36,000 00 39,240 00 

Cleve., Col., Cin. & Indianapolis RR. bonds, . 25,000 00 30,000 00 

Denver & Rio Grande Railroad bonds, . . 25,000 00 19,500 00 

Dry Dock, East B\vay & Battery R.R bonds, . 10,000 00 10,000 00 

East Tennessee, Va. & Georgia Railroad bonds, 25,000 00 22,375 00 

Fargo & Southern Railway bonds, . . . 20,000 00 23,400 00 

Flint & Pere Marquette Railroad bonds, . . 25,000 00 24,250 00 

Georgia State bonds, 25,000 00 25,625 00 

Hannibal & St. Jo. Railroad bonds, . . . 25,000 00 29,375 00 

Kentucky Central Railway bonds, . . . 25,000 00 20,750 00 

Long Island Railroad bonds 15,000 00 17,100 00 

Louisville, New Albany & Chicago R.R. bonds, 7,000 00 8,050 00 

Michigan Central Railroad bonds, . . . 20,000 00 22,500 00 

Milwaukee & Northern Railroad bonds, . . 25,000 00 28,375 00 

Milwaukee & St. Paul Railway bonds, . . 15,000 00 18,900 00 

Mississippi State bonds, 20,000 00 20,000 00 

N. Y., Brooklyn & Manhattan Beach R'y bonds, 25,000 00 24,250 00 

N. Y. Central & Huds-m River R'y bonds, . 25,000 00 26,750 00 

Northern Pacific Railroad bonds, . . . 50,000 00 55,250 00 

Pennsylvania Company bonds, . . . 50,000 00 55,000 00 

Richmond City bonds, 50,000 00 48,300 00 

St. Paul, Minn. & Manitoba Railway bonds, . 36,000 00 37,490 00 

St. Paul & Northern Pacific Railroad bonds, . 16,000 00 18,320 00 

Third Avenue Railroad Company bonds, . 25,000 00 28,875 00 

Toledo & Ohio Central Railway bonds, . . 35,000 00 38,150 00 

Underwriters' Protective Asso. of Newark, . 1,000 00 1,000 00 

Union Elevated Railroad, Brooklyn, bonds, . 15,000 00 14,100 00 

Wabash Railroad bonds 25,000 00 25,625 00 

Consolidated Gas Company stock, . . 25,000 00 31,250 00 

Chicago, Milwaukee & St. Paul R.R. stock, . 25,000 00 29,500 ( 

Chicago & Northwestern Railway Co. stock, . 60,000 00 83,400 00 

Chic, St. Paul, Minn. & Omaha R'y stock, . 25,000 00 28,500 00 

Underwriters 1 Salvage Company stock, . . 1,000 00 1,000 00 

Delaware & Hudson Canal Company stock, . 50,000 00 65,000 00 

German-American Bank stock, . . . 5,175 00 6,287 62 

Lake Shore & Michigan Southern R'y stock, . 60,000 00 73,800 00 



208 



GERMANIA FIRE INSURANCE CO. 



National Park Bank stock, . 

N. Y. Central & Hudson River R R. stock, 

Pennsylvania Railroad stock, . 

Rome, Watertown & Ogdensburg R.R. stock, . 

Western Union Telegraph Company stock, 



Par Value. 

f 5,000 00 

70,000 00 
51,000 00 
25,000 00 
30,000 00 



Market Value. 

$15,700 00 
09,125 00 
51,000 00 
27,750 00 
24,637 50 



$2,017,775 00 $2,243,555 62 
Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

15 shares New York Econ. Printing Company, $2,250 00 

5 Macoupin County (111.) bonds, . . . 500 00 

Morris & Essex Railroad Company bonds, . 9,660 00 6,600 00 



f 2,000 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank and with managers, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $195 25 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $3,133,059 21 



$12,410 00 $8,600 00 

31, 1893. 

$451,277 37 

218,000 00 

5,162 50 

2,243,555 62 

8,600 00 

36,563 84 

15,560 40 

2,340 00 

220,738 82 

3,355 81 

1,829 85 



$3,206,984 21 
73,925 00 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$76,678 68 
55,391 63 

18,756 42 

$150,826 73 
35,274 24 

f 115,552 49 

1,098,152 93 

32,945 96 

$1,246,651 38 
5,841 66 



1,240,809 72 



♦Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$13S,250 00 
276,000 00 
215,000 00 



GERMANIA FIRE INSURANCE CO. 



209 



Surplus as regards policy-holders, . 
Paid-up capital, .... 



. $1,892,249 49 
. 1,000,000 00 



Surplus over capital, $892,249 49 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $2li,172 94 
Premiums on risks written or renewed, . . 1,558,692 68 

Total, $1,769,865 62 

Premiums now in course of collection, . . 220,934 07 

Entire premiums collected, .... $1,548,931 55 
Less re-insurance and return premiums, . . 459,831 87 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



. $1,089,099 68 

7,500 42 

110,390 94 

. $1,206,991 04 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



§738,799 45 
116,594 64 



$622,204 81 
100,000 00 
174,016 09 
122,942 60 
24,844 70 
108,794 18 

$1,152,802 38 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$279,454-,929 00 
180,844,832 00 

$460,299,761 00 
172,604,032 00 

$287,695,729 00 
30,664,320 00 

$257,031,409 00 $2,112,494 98 



Premiums. 

^2,368,382 34 
1,558,692 68 

13,927,075 02 
1,482,506 65 



1,444,568 37 
332,073 39 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$27,244,736 00 

13,888,056 00 

647,081 00 

2,501,000 00 

100,000 00 

190,850 00 



210 



GIRARD FIRE AND MARINE INSURANCE CO. 



"GIRARD FIRE AND MARINE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1853. Commenced business May, 1853.] 

Paid-up Capital, $300,000. 

ALFRED S. GILLETT, President. EDWIN F. MERRILL, Secretary. 



Detailed Statement of Stocks 



United States bonds, . 

Louisville city bonds, 

St. Louis county bonds, 

Seattle city bonds, 

Georgia State bonds, 

Wadena Co. (Minn.) bonds, 

Norfolk & Western Railroad, 

Connecting Railroad bonds, 

Pennsylvania Railroad Company, 

Phila., Wilmington & Baltimore R.R. bonds, 

Pitts., Air, Chicago & St. Louis R 11. Co. bonds 

Delaware Railroad Company bonds, 

Phila. & Reading Railroad bonds, . 

Lehigh Coal & Navigation Company bonds, 

Lancaster & Reading Railroad bonds, 

North Pennsylvania Railroad bonds, 

Lehigh Valley Railroad Company, . 

Philadelphia & Darby Pass. Railroad stock, 

Zanesville & Ohio Railroad bonds, . 

Lower Merion Gas Company bonds, 

Holmesburg Water Company bonds, 

Hutchinson Water, Light and Power Co. bonds 

Philadelphia Bourse stock, 

Borough Ridlev Park bonds, . 

Girard Fire and Marine Ins. Co., $40,103 00 



Securities held as collateral for cash loans : — 

Allegheny Valley Railroad bonds, . 
Ohio & Mississippi Railroad bonds, . 
St. Louis, Alton & Terre Haute R.R. bonds, . 
North Missouri Railroad Company bonds, 
Times Publishing Company, .... 
16 shares Connecticut Fire Ins. Company, 
50 shares German American T. & T. Co., 
Loaned on company's own stock, §3,000 00 



and Bonds. 

Par Value. 

$82,000 00 

10,000 00 

10,000 00 

30,000 00 

25,000 00 

8,000 00 

15,000 00 

10,000 00 

25,000 00 

70,000 00 

10,000 00 

6,000 00 

2,000 00 

16,000 00 

10,000 00 

5,000 00 

35,000 00 

2,250 00. 

10,000 00 

8,000 00 

1,000 00 

12,000 00 

1,000 00 

4,000 00 



Market Valne. 

$93,480 00 

12,000 00 

12,000 00 

30,750 00 

26,876 84 

8,120 00 

15,000 00 

11,600 00 

27,100 00 

71,400 00 

10,100 00 

6,435 00 

460 00 

16,805 00 

10,000 00 

6,350 00 

30,500 00 

1,485 00 

7,500 00 

8,160 00 

1,000 00 

12,000 00 

1,000 00 

4,080 00 



$407,250 00 $424,201 



Market Value. Loaned Thereon. 



$1,190 00 


$600 00 


1,100 00 


900 00 


5,150 00 ) 
1,100 00 S 


5,000 00 


80,000 00 


15,000 00 


1,920 00 


500 00 


2,350 00 


1,500 00 


$92,810 00 


$23,500 00 



GIRARD FIRE AND MARINE INSURANCE CO. 



211 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . . $280,700 00 

Loans on mortgage of real estate (first liens*), 745,861 77 

Interest due or accrued thereon, . . . 13,030 08 

Stocks and bonds, as per schedule, . . . 424,201 84 

Loans on collateral security, as per schedule, . 23,500 00 

Cash in the office of the company, . . . 8,556 34 

Cash deposited in bank, 52,454 34 

Interest due and accrued, 381 87 

Premiums in course of collection (gross), . 72,26185 

Notes taken for fire risks, .... 27,057 06 

Rents due and accrued, 1,408 31 

Re-insurance due, 1,576 01 

Perpetual insurance, 6,079 50 

Gross assets, 

Deduct special deposits in other States, 



$1,657,068 97 
26,876 84 



Balance, $1,630,192 13 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 



Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 



$32,436 25 
6,244 16 

$38,680 41 
2,135 82 

$36,544 59 

385,620 71 

422,202 82 

212 97 

1,384 97 

26,846 63 

12,124 21 

3,858 80 

$888,795 70 
5,000 00 



883,795 70 

$746,396 43 
300,000 00 



. |446,396 33 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$2,300,799 00 
440,129 00 



212 



GIRARD FIRE AND MARINE INSURANCE CO. 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, .... 

from surveys, etc., 

from profit and loss, . 
Deposits received for perpetual fire risks, 



$98,473 55 
579,167 01 

$677,640 56 
99,318 91 

§578,321 65 
106,090 65 



$472,231 00 

46,433 30 

21,892 37 

6,394 03 

677 00 

4,221 45 



$51,949 46 



Gross cash income, $551,849 15 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$282,733 04 
19,846 10 



$262,886 94 
60,000 00 
97,706 28 
57,659 93 
17,847 29 
28,152 96 

S524,253 40 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $91,418,946 00 $1,182,822 55 
Fire risks written during 1893, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (included above), 



50,137,457 00 579,167 01 



$141,556,403 00 $1,761,989 56 
47,958,634 00 505,750 75 



$93,597,769 00 $1,256,238 81 
3,097,093 00 37,289 90 



,500,676 00 ?1,218,948 91 
20,877,704 00 469,114 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, . . 



§10,707,994 00 

. 4,487,748 00 

269,291 00 

, 1,605,196 00 

60,000 00 

31,800 00 



glen's FALLS INSURANCE CO. 



213 



« GLEN'S FALLS INSURANCE COMPANY," GLEN'S FALLS, N. Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 

Paid-up Capital, $200,000. 

J. L. CUNNINGHAM, President. R. A. LITTLE, Secretary. 



Detailed Statement of Stocks and Bonds. 



N. Y. Central & Hudson River R.R. bonds, 
New York & Harlem Railroad bonds, 
Lake Shore & Michigan So. Railroad bonds, 
Syracuse, Bing. & New York Railroad bonds 
Morris & Essex Railroad bonds, 
West Shore Railroad bonds, 
Hudson River Pulp and Paper Co. bonds, 
Glen's Falls Paper Mill bonds, 
Georgia State bonds, .... 

Richmond city bonds, .... 
First National Bank, Glen's Falls, stock, . 
International Loan & Trust Co. bonds, . 
Jarvis Conklin M'tg'e Trust Co. bonds, . 



Par Value. 

$200,000 00 

100,000 00 

50,000 00 

53,000 00 

50,000 00 

50,000 00 

300,000 00 

300,000 00 

25,000 00 

10,000 00 

10,000 00 

100,000 00 

9,900 00 



Market Value. 

$245,000 00 

117,500 00 

58,750 00 

G7,575 00 

68,250 00 

50,000 00 

300,000 00 

300,000 00 

25,000 00 

9,300 00 

20,000 00 

100,000 00 

9,900 00 



$1,257,900 00 $1,371,275 00 



Securities held as collateral for cash loans : — 
Morris & Essex Railroad bonds, 



Market Value. Loaned Thereon. 

$4,095 00 $4,000 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Premiums more than 3 months due, $3,821 97 

Gross assets,* 

Deduct special deposits in other States, . 



$30,934 50 

532,780 39 

3,995 14 

1,371,275 00 

4,000 00 

2,445 86 

222,088 34 

11,292 27 

70,208 50 

232 90 

300 00 



f2,249,552 90 
34,300 00 



Balance, $2,215,252 90 



* Including $200,000 special reserve fund held under New York law. 



214 



glen's FALLS INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Miscellaneous, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



Income 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



other 



$21,736 07 

28,684 00 

6,368 63 



$56,788 70 
7,092 17 



$49,696 53 

712,744 29 

11,104 57 

4,000 00 

$777,545 39 
14,797 68 



$75,389 89 
1,119 55 

$ 74,270 34 
820,580 24 

$894,850 58 
74,030 47 

$820,820 11 
163,464 74 



sources, 



$762,747 71 



. $1,452,505 19 
200,000 00 



$1,252,505 19 



$657,355 37 

35,634 50 

80,080 09 

1,045 09 



$774,115 05 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$415,315 39 
41,032 93 



$374,282 46 

40,000 00 

123,272 50 

52,264 61 

30,774 46 

51,346 76 



171,940 79 



GRANITE STATE FIRE INSURANCE CO. 



215 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31? 1892, . $136,426,663 00 $1,401,906 39 
Fire risks written during 1893, . . 78,144,103 00 820,580 24 

Total, 

Deduct risks expired and terminated. 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$214,570,766 00 $2,222,486 63 
74,656,310 00 757,397 69 



$139,914,456 00 $1,465,088 94 
8,326,989 00 106,108 62 



$131,587,467 00 $1,358,980 32 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, .... 



$12,297,074 00 

6,205,398 00 

387,092 00 

560,000 00 

40,000 00 

79,060 00 



"GRANITE STATE FIRE INSURANCE COMPANY," 
PORTSMOUTH, N. H. 

[Incorporated July 17, 1885. Commenced business Nov. 12, 1885.] 

Paid-up Capital, $200,000. 

FRANK JONES, President. ALFRED F. HOWARD, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Town of Harrisville, N. H., bonds, . . . $15,000 00 $15,600 00 

City of Manchester, N. H., bonds, . . . 100,000 00 106,000 00 

Fort Plain, N. Y., Water Company bonds, . 10,000 00 10,000 00 

New Hampshire Trust Company bonds, . . 10,000 00 8,000 00 

Xenia, Ohio, Water Company bonds, . . 6,000 00 6,000 00 

St. Cloud Gas and Electric Company bonds, . 10,000 00 10,500 00 

Nashua Card and Glazed Paper Co. bonds, . 5,000 00 5,000 00 

National Loan and Trust Company, bonds, . 4,000 00 4,000 00 

County of Garfield, Colorado, bonds, . . 1,000 00 1,100 00 

Front St. Cable Ry. Co., Seattle, Wash., bonds, 12,000 00 12,600 00 

Ogden City, Utah, bonds, 5,000 00 5,500 00 

Salt Lake City, Utah, bonds, .... 15,000 00 15,300 00 

Palouse City, Wash., water bonds, . . . 4,800 00 5,520 00 

133 shares Dover Gas Light Co., Dover, N. H., 3,325 00 3,591 00 

Eastman Freight Car Heater Co. bonds, . . 39,000 00 39,000 00 

1 share Worcester, Nashua & Rochester R.R., 100 00 120 00 

50 shares Int. Loan and Trust Co., Kan. City, . 5,000 00 5,000 00 

50 • " Wolfboro , L.&B.Co.,Wolfboro\N.H., 5,000 00 5,000 00 

77 " Boston & Maine R.R. pref. stock, . 7,700 00 11,165 00 



216 



GRANITE STATE FIRE INSURANCE CO. 



123 shares Boston & Maine R.R. com. stock, . 
Chippewa Falls Water Works Co. bonds, . 
Portsmouth Machine Co. bonds, 

Securities held as collateral for cash loans : — 

40 shares Indian Head Nat'lB'k, Nashua, N.H., 
Front Street Cable Railway bonds, . 
Eastman Freight Car Heater Co. bonds, . 
Columbia Co., Wash., Court House bonds, 
Chippewa Falls Water Works bonds, 
Ports., Great Falls & Conway R.R. bonds, 
Eastman Freight Car Heater Co. bonds, . 
Emporia Electric & Gas Light Co. bonds, 
Hurley Water Co. bonds, 



Par Value. 

$12,300 00 

6,000 00 

10,000 00 



Market Value. 
$16,605 00 

0,000 00 
10,000 00 



$286,225 00 $301,601 00 



Market Value. Loaned Thereon. 



$5,400 00 

24,150 00 

12,000 00 

3,600 00 

4,500 00 

2,200 00 

23,000 00 

11,000 00 

2,000 00 J 



$4,000 00 
20,000 00 
10,000 00 



S> 40,000 00 



§87,850 00 $74,000 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Xet amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, ..... 



Surplus over capital, 



31, 1893. 

$8,400 00 

62,730 00 

863 60 

301,601 00 

74,000 CO 

5,385 27 

12,836 14 

1,903 35 

109,458 87 



£577,178 23 



$26,286 88 

24,792 00 

3,400 00 



?54,478 88 
13,410 88 

$41,068 00 

276,522 39 

9,616 34 

1,759 76 

3,607 80 



332,574 29 

$244,603 94 
200,000 00 

$44,603 94 



* Value of lands mortgaged, SS 5, 000 00 

Value of buildings thereon, 66,500 00 

Amount of insurance held as collateral, .... 57,425 00 



GRANITE STATE FIRE INSURANCE CO. 



217 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$100,398 88 
819,591 39 

S919,990 27 
109,458 87 

£810,531 40 
249,488 67 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$475,312 94 
94,416 12 



$561,042 73 

4,358 17 

15,994 83 

$581,395 73 



$380,896 82 
12,000 00 
119,127 51 
10,980 00 
10,474 28 
36,204 67 

$569,683 28 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, . , 



$59,951,597 00 
69,012,536 00 



Premiums. 

5,947 74 
819,591 39 



$128,964,133 00 §1,525,539 13 
68,160,265 00 780,736 82 



$60,803,868 00 
12,585,443 00 



$744,802 31 
208,297 16 



Net amount in force, .... $48,218,425 00 $536,505 15 

Miscellaneous. 



Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, . 



$3,915,332 00 

1,707,911 00 

382,821 00 

48,000 00 

12,000 00 

120,600 00 



218 



THE GREENWICH INSURANCE CO. 



"THE GREENWICH INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.] 
Paid-up Capital, $200,000. 

MASON A. STONE, President. WALTER B. WARD, j AuU Secretarie9 . 

WILLIAM ADAMS. ) 



william adams, 
Detailed Statement of Stocks and Bonds. 

Par Value. 

United States Government bonds, . . . $24,500 00 

District of Columbia bonds, .... 125,000 00 

Harlem River & Port Chester Railroad bonds, 10,000 00 

N. Y. Central & Hudson River R.R. bonds, . 60,000 00 

Albany & Susquehanna Railroad bonds, . . 80,000 00 

Oswego & Syracuse Railroad bonds, . . . 53,000 00 

Buffalo & Erie Railroad bonds, . . . 9,500 00 

State of Georgia bonds, 25,000 00 

Rome, Watertown & Ogdensburg R.R. bonds, 5,000 00 

Consolidated Gas Co. of New York stock, . 100,000 00 

Rensselaer & Saratoga Railroad stock, . . 60,000 00 

Valley Railroad Company stock, . . . 35,000 00 

National Broadway Bank stock, . . . 17,500 00 

Delaware & Hudson Canal Company stock, . 50,000 00 

New York, Lack. & Western Railroad stock, . 25,000 00 



Market Value. 

$27,562 50 

140,625 00 

11,500 00 

75,000 00 

93,200 00 

58,300 00 

10,497 50 

25,687 50 

5,700 00 

124,000 00 

105,000 00 

40,250 00 

40,250 00 

65,000 00 

28,312 50 



Securities held as collateral for cash loans : — 

27 shares United States Life Insurance Co., . 
40 shares Bowery National Bank, . 
Peoria, Decatur & Evansville Railroad bond, . 
7 shares New Y"ork, N. H. & Hart. Railroad, . 



$679,500 00 $850,885 00 



Market Value. Loaned Thereon. 



$1,485 00 

12,400 00 

5,250 00 

1,386 00 



$850 00 
5,000 00 
4,500 00 
1,000 00 



$20,521 00 $11,350 00 



SCMMARY OF ASSETS DEC. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 



31, 1893. 

$200,000 00 

4,600 00 

850,885 00 

11,350 00 

5,834 42 

74,320 50 

2,268 00 

189,058 43 

18,091 68 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$10,500 00 

12,500 00 

7,000 00 



THE GREENWICH INSURANCE CO. 



219 



Re-insurance due, 

Premiums more than 3 months due, $5,929 40 

Gross assets, 

Deduct special deposits in other States, . 



$1,802 84 



Balance, 



Liabilities. 






Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums, 

Gross liabilities, except capital, 
Deduct liabilitj 7 on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, . . ' . 



Surplus over capital, 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, . . . " . 
Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 



$1,358,210 87 
36,937 50 

$1,321,273 37 



$30,785 76 

226,091 66 

49,804 81 



$306,682 23 
11,632 73 



$295,049 50 

734,535 84 

931 50 

2,500 00 

28,500 00 

600 00 



^,062,116 84 
36,237 05 



$212,873 82 
9,906 96 



$202,966 86 
1,328,901 57 



.,531,868 43 
201,162 84 



$1,330,705 59 
276,254 22 



$7,084 74 
574 86 



$6,509 88 
183,756 75 



$190,266 63 
11,916 67 



$178,349 96 
16,111 50 



1,025,879 79 



$295,393 58 
200,000 00 

$95,393 58 



,054,451 37 



162,238 46 



220 



THE GREENWICH INSURANCE CO. 



Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



$276 00 
42,087 49 
16,335 46 



Gross cash income, $1,275,388 78 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash jDaid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



$849,598 99 
75,705 07 



-77:;,893 92 



$162,501 35 
26,269 61 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 

Perpetual risks in force (included above) 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$301,720,922 00 
167,218,336 00 

$468,939,258 00 
218,514,398 00 

$ 250,424,860 00 
19,603,196 00 

$230,821,664 00 
50,000 00 

$3,027,080 00 
56,926,846 00 

£59,953,926 00 
57,891,692 00 



$2,062,234 00 
217,700 00 



136,231 74 
20,000 00 

244,165 02 
84,053 62 
14,379 47 
74,458 26 

§ 1,347,182 03 



Premiums. 

$1,698,531 48 
1,328,901 57 



$3,027,433 05 
1,538,677 oQ 



$1,488,755 49 
82,589 00 



$1,406,166 49 
1,035 00 

$74,703 08 
183,756 75 



$258,459 83 
202,843 82 



$55,616 01 
4,082 30 



$1,844,534 00 $51,533 71 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . . 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$13,394,340 00 

8,802,262 00 

906,169 00 

165,563 00 

2,050,000 00 

20,000 00 

7^.900 00 



HANOVER FIRE INSURANCE CO. 



221 



» HANOVER FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1852. Commenced business April, 1852.] 

Paid-up Capital, $1,000,000. 

I. REMSEN LANE, President. CHARLES L. ROE, Secretary, 



Detailed Statement of Stocks 



United States bonds, 

State of Georgia coupon bonds, 

City of Richmond, Va., bonds, . 

Union Pacific Railroad bonds, . 

Kansas Pacific Railway bonds, 

Flint & P£re Marquette Railroad bonds, 

Norfolk & Western Railroad bonds, 

Cincinnati & Springfield Railway bonds, 

Milwaukee & St. Paul Railway bonds, 

St. Louis & Iron Mountain Railroad bonds, 

Chicago, Milwaukee & St. Paul Railway bonds 

Louisville, N. A. & Chicago Railway bonds, 

Pennsylvania Company bonds, 

Flint & Pere Marquette Railroad bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

New York city bonds, .... 

100 shares Rensselaer & Saratoga Railroad, 

240 " Rome,Watert'n & Ogdens'gh R.R. 

220 " Chic, Burl. & Quincy Railroad, 

210 " Chic, Rock Island & Pacific R.R., 

400 " Chicago & Northwestern Railway 
1,000 " New York Cen. & Hudson R. R.R. 

200 " St. Paul, Minn. & Mani. R'y Co. 

200 " Chicago & Northwestern R'y Co. 

191 " Syracuse, Bing. & New York R.R. 

500 " Clevc, Cin., Chic. & St. Louis R'y 
75 " Metropolitan National Bank, 

150 " American Exchange Nat'l Bank, 
36 " Western National Bank, 

150 " Bank of America, . 
1,000 " Consolidated Gas Company, N.Y. 

550 " Western Union Telegraph Co., 
30 " Central Trust Company, 



and Bonds. 

Par Value. 

$ 98,000 00 
25,000 00 
50,000 00 
50,000 00 
50,000 00 
30,000 00 

5,000 00 
19,000 00 

6,000 00 

5,000 00 
20,000 00 
15,000 00 
36,000 00 
30,000 00 

5,000 00 
385,000 00 
10,000 00 
24,000 00 
22,000 00 
21,000 00 
40,000 00 
100,000 00 
20,000 00 
20,000 00 
19,100 00 
50,000 00 

7,500 00 
15,000 00 

3,600 00 

15,000 00 

100,000 00 

55,000 00 

3,000 00 



Market Value. 

$108,920 00 
26,750 00 
52,000 00 
52,980 00 
49,750 00 
34,800 00 

5,593 75 
21,280 00 

7,012 50 

5,093 75 
21,300 00 
14,943 75 
38,205 00 
29,100 00 

5,421 25 

385,000 00 

17,400 00 

26,040 00 

19,195 00 

15,198 75 

42,050 00 

103,375 00 

21,525 00 

27,875 00 

25,403 00 

42,875 00 

225 00 

21,750 00 

3,924 00 

27,750 00 

123,000 00 

47,643 75 

30,000 00 



,354,200 00 $1,453,379 50 



Summary of Assets Dec. 31, 1893. 
Cash value of unencumbered real estate, . $350,000 00 
Loans on mortgage of real estate (first liens*), 23,000 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$29,000 00 
31,500 00 
24,000 00 



222 



HANOVER FIRE INSURANCE CO. 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Premiums more than 3 months due, $19,721 04 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $l,980,43± 13 



$96 66 

1,453,379 50 

41,457 68 

19,918 92 

10,005 50 

171,975 44 

500 43 



$2,070,334 13 
89,900 00 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, .... 

* 

Inxome. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Profit and loss account, .... 

Gross cash income, .... 



$125,357 11 
92,654 69 
27,884 52 

$245,896 32 
7,348 89 

$238,547 43 

1,330 27 

32,862 43 

95,274 35 

$851,014 48 
32,167 41 



818,847 07 

. $1,161,587 06 
. 1,000,000 00 



$161,587 06 



$187,196 45 
12,607 48 

$174,588 97 
1,585,777 64 

$1,760,366 61 
191,696 48 

$1,568,670 13 
689,280 50 



sources, 



$879,389 63 

1,160 00 

92,280 25 

518 62 



$973,348 50 



HARTFORD FIRE INSURANCE CO. 



223 



Expenditures 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$1,050,616 52 
105,488 17 



$945,128 35 

100,000 00 

150,367 04 

123,480 90 

33,529 43 

99,100 71 



. $1,451,606 43 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, . . 



Net amount in force, . 



Risks and Premiums. 

Premiums. 

$197,011,314 00 $2,049,997 53 
145,066,362 00 1,585,777 64 



$342,077,676 00 $3,635,775 17 
153,265,056 00 2,123,367 73 



$188,812,620 00 f 1,512,407. 44 
76,631,742 00 552,757 59 



$112,180,878 00 $959,649 85 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$26,024,831 00 

14,888,309 00 

1,007,938 00 

2,309,750 00 

100,000 00 

109,750 00 



«' HARTFORD FIRE INSURANCE COMPANY," HARTFORD, CONN 

[Incorporated May, 1810. Commenced business August, 1810.] 

Paid-tip Capital, $1,250,000. 

GEORGE L. CHASE, President. P. C. ROYCE, Secretary. 



Detailed Statement of Stocks 



556 shares Hartford Nat'l Bank, Hartford, 

467 

100 

122 

166 

300 

200 



Phoenix Nat'l Bank, Hartford, 
Conn. River Banking Co , Hartf'd, 
Farm. & Mech. N'l B% Hartford, 
City Bank, Hartford, . 
American Nat'l Bank, Hartford, . 
Charter Oak Nat'l Bank, Hartfd, 



and Bonds. 

Par Value. 

$55,600 00 
46,700 00 
5,000 00 
12,200 00 
16,600 00 
15,000 00 
20,000 00 



Market Value. 

$86,180 00 
57,908 00 
5,000 00 
13,542 00 
16,600 00 
21,000 00 
20,600 00 



224 



HARTFORD FIRE INSURANCE CO. 



150 shares Mercantile Nat'l Bank, Hartford 
172 " First National Bank, Hartford, 
100 " State Bank, Hartford, . 
315 " /Etna National Bank, Hartford, 
40 " Nat'l Exchange Bank, Hartford, 
230 " Conn. Trust and Safe Dep. Co., 
300 " Bank of America, New York, 
100 " Bank of North America, N. Y., 
100 " Nat'l Bank of Commerce, N. Y., 
200 " Am. Exchange Nat'l Bank, N. Y. 
300 " Imp. and Trad. Nat'l Bank, N. Y. 
200 " Manhattan Company Bank, N. Y. 
334 " Merchants' National Bank, N. Y. 
225 " Metropolitan Nat'l Bank, N. Y., 
39 " Atlantic National Bank, Boston, 
106 " Blackstone Nat'l Bank, Boston, 
125 " Boylston National Bank, Boston 
24 " Hide and Leather N'l B'k, Boston 
32 " Nat'l Bank of Commerce, Boston 
100 " First National Bank, Boston, 
109 " Second National Bank, Boston, 
50 " First National Bank, Albany, 
150 " Bank of Montreal, Montreal, 
65 " Ontario Bank, Bowmanville, 
100 " Connecticut River Company, 
20 " Connecticut River Railroad, 

1,500 " N. Y., New Hav. & Hart. R. R., 
710 " Chicago, Burl. & Quincy R.R., 
220 " Chic, Rock Island & Pacific R.R. 
700 " Chicago & Northwestern R.R., 
770 " Chic, Milwaukee & St. Paul R.R. 
200 " Union Pacific Railroad, 

1,000 " Conn. & Passumpsic Rivers R.R. 
500 " N. Y. Central & Hudson Riv. R.R. 
500 " Northwestern Telegraph Co., 

Alabama State bonds, .... 

Georgia State bonds, .... 

New Brunswick, N. J., city bonds, . 

Dubuque Iowa, city bonds, 

Richmond, Va., city bonds, 

Harlem River & Port Chester Railroad bonds 

Chicago & Western Indiana Railroad bonds, 

Minneapolis Union Railway bonds, . 

Cleveland, Col., Cin. & Inda. bonds, 

Nashville & Decatur bonds, 

Indianapolis & Vincennes Railway bonds, 

Chicago & Northwestern bonds, 

Albany & Susquehanna bonds, 



Par Value. 

$15,000 00 

17,200 00 

10,000 00 

31,500 00 

2,000 00 

23,000 00 

30,000 00 

7,000 00 

10,000 00 

20,000 00 

30,000 00 

10,000 00 

16,700 00 

22,500 00 

3,900 00 

10,600 00 

12,500 00 

2,400 00 

3,200 00 

10,000 00 

10,900 00 

5,000 00 

30,000 00 

6,500 00 

3,000 00 

2,000 00 

150,000 00 

71,000 00 

22,000 00 

70,000 00 

77,000 00 

20,000 00 

100,000 00 

50,000 00 

25,000 00 

10,000 00 

25,000 00 

45,000 00 

25,000 00 

50,000 00 

50,000 00 

311,000 00 

50,000 00 

58,000 00 

50,000 00 

32,000 00 

50,000 00 

50,000 00 



Market Value. 

$10,950 00 

17,544 00 

10,200 00 

40,320 00 

2,400 00 

36,800 00 

57,000 00 

12,250 00 

17,600 00 

30,000 00 

172,500 00 

18,000 00 

25,050 00 

1,800 00 

4,602 00 

9,540 00 

15,625 00 

2,544 00 

3,776 00 

23,800 00 

19,947 00 

9,000 00 

66,000 00 

7,800 00 

3,000 00 

4,400 00 

300,000 00 

54,315 00 

14,630 00 

77,700 00 

67,475 00 

3,800 00 

105,000 00 

50,000 00 

26,250 00 

10,000 00 

25,250 00 

45,000 00 

26,000 00 

51,000 00 

60,000 00 

356,660 00 

56,000 00 

66,870 00 

56,000 00 

37,760 00 

51,750 00 

58,500 00 



HARTFORD FIRE INSURANCE CO. 



225 



Northern Pacific bonds, .... 

N. Y. Central & Hudson River Railroad bonds 

West Shore bonds, 

Chicago, Burlington & Quincy Railroad bonds 

New York & New England Railroad bonds, 

City of Indianapolis Belt Railroad bonds, 

Pittsburgh, Cincinnati & St. Louis R»R bonds 

Louisville, Frankfort & Lexington R.R. bonds 

Cincinnati, Ind., St. Louis & Chic. R.R. bonds 

Detroit, Lansing & Northern Railroad bonds, 

Jefferson Railroad bonds, 

Dayton & Michigan Railroad bonds, 

St. Louis & San Francisco R'y and Land bonds 

New York, Lake Erie & Western R.R. bonds 

Milwaukee & St. Paul Railroad bonds, . 

Iowa Falls & Sioux City bonds, 

Cincinnati, Hamilton & Dayton R.R. bonds, 

Canadian Pacific Railway bonds, 

Montreal Corporation bonds, . 

Chicago & Great Western Railroad bonds, 

Lake Shore & Michigan Southern R.R. bonds 

Lehigh Valley Railroad bonds, 

St. Paul, Minnesota, certificates, 

Topeka, Kan., Internal Imp. Sewer bonds, 

Chicago, Burlington & Quincy bonds, 

Philadelphia & Reading Railroad bonds, 

Housatonic Railroad certificates, 

N. Y., New Haven & Hart. R.R. certificates, 

Chicago, Burlington & Quincy bonds, 

Connecticut River Railroad bonds, . 

St. Paul & Northern Pacific bonds, . 



Securities held as collateral for cash loans 

37 shares iEtna Fire Insurance Company, 
60 " Cleveland & Pittsburgh Railroad, 
20 " Wells Fargo Express Company, 
Warehouse receipts, 



Par Value. 

$62,000 00 
50,000 00 

100,000 00 
50,000 00 
50,000 00 
74,000 00 

100,000 00 
92,000 00 

112,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
63,000 00 
60,000 00 
55,000 00 
48,666 00 
62,500 00 
30,000 00 

100,000 00 
75,000 00 
55,000 00 
24,000 00 
6,600 00 
75,000 00 

100,000 00 

30,000 00 

5,000 00 

1,000 00 

75,000 00 



Market Value. 

$67,580 00 
53,500 00 

101,000 00 
48,500 00 
57,500 00 
76,960 00 

112,000 00 
96,600 00 

123,200 00 
50,000 00 
50,000 00 
54,000 00 
52,500 00 
54,000 00 
73,710 00 
72,000 00 
64,900 00 
57,750 00 
65,625 00 
31,800 00 

122,000 00 
79,500 00 
55,000 00 
24,000 00 
6,732 00 
78,000 00 

102,500 00 

48,000 00 

6,050 00 

1,000 00 

79,500 00 



1,712,766 00 $4,408,645 00 



Market Value. Loaned Thereon. 



$8,880 00 
4,500 00 
2,500 00 

62,000 00 

$77,880 00 



$6,000 00 
4,000 00 

52,228 35 

562,228 35 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $366,575 60 
Loans on mortgage of real estate (first liens*), 1,167,500 00 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,200,000 00 

2,046,525 00 

717,178 00 



226 



HARTFORD FIRE INSURANCE CO. 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Non-resident tax due, .... 

Gross assets, 

Deduct special deposits in other States, . 



$19,460 39 

4,408,645 00 

62,228 35 

608,252 39 

1,269 35 

803,749 52 

2,127 28 

17,265 88 



$7,4." 

392,37y 00 



Balance, $7,064,693 88 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities except capital, . 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 



£217,650 40 

331,436 06 

61,610 85 

3,114,519 71 
120,562 42 

$3,845,779 44 
158,679 41 



- 3,687,100 03 

. $3,377,593 85 
. 1,250,000 00 



Surplus over capital, . 



$2,127,593 85 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 



Gross cash income, 



$691,954 52 

2.277 24 

$689,677 28 

4,900,327 10 

$5,590,004 38 

803,749 52 

$4,786,254 86 

813,075 50 



sources, . 



$3,973,179 36 

68,017 71 

228,936 10 

8,704 59 

£4,278,887 76 



HOME INSURANCE CO. 



227 



Expenditures 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, . 
Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$2,470,564 95 
197,366 10 



Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$479,300,687 00 
395,260,133 00 

$874,560,820 00 
310,544,839 00 

$564,015,981 00 
37,058,185 00 



12,273,198 85 
300,000 00 
666,069 54 
256,878 94 
72,206 81 
313,819 93 

53,882,174 07 



Premiums. 

^5,819,953 52 
4,900,327 10 



,720,280 62 
3,932,093 84 

6,788,186 78 
559,147 36 



$526,957,796 00 $6,229,039 42 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (24 per cent.), 
Company's stock owned by directors, .... 



$72,215,549 00 

43,695,846 00 

2,503,210 00 

7,388,100 00 

300,000 00 

198,800 00 



" HOME INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 
Paid-up Capital, $3,000,000. 

DANIEL A. HEALD, President. WILLIAM L. BIGELOW, j Secretarie8 . 

THOMAS B. GREENE, J 



Detailed Statement of Stocks and Bonds. 

Par Value. 

. $275,000 00 
. 1,000,000 00 



United States bonds, . 

District of Columbia bonds, 

Mississippi bonds, 

State of Georgia bonds, . 

New York city bonds, 

City of Richmond, Va., bonds, 

Topeka City, Kan , Internal Imp. bonds, 

City of Council Bluffs, Iowa, Imp. bonds, 



20,000 00 

25,000 00 
505,000 00 

50,000 00 
135,831 38 

20,100 00 



Market Value. 

$306,625 00 

1,120,000 00 

20,000 00 

25,625 00 

512,575 00 

55,000 00 

141,264 64 

20,703 00 



228 



HOME INSURANCE CO. 



Nebraska City, Nebraska, Imp. bonds, 
Kansas City, Kan., Improvement bonds, . 
City of Greeley, Col., water bonds, . 
Atehison, Kan., Improvement bonds, 
West Chicago Park warrants, . 
New York, L. Erie & Western R R. bonds, 
New York, Chicago & St. Louis R.R. bonds, 
New York Cen. & Hudson River R.R. bonds, 
New York & Harlem Railroad bonds, 
Valley Railway Co. of Ohio bonds, . 
Ohio & West Virginia Railway bonds, 
Peoria, Decatur & Evansville Railway bonds 
Cleve., Col., Cincinnati & Indianapolis R.R., 
Louisville, New Albany & Chicago R'y bonds 
West Shore Railway bonds, 
Albemarle & Chesapeake Canal Co. bonds, 
Toledo, Ann Arbor & Grand Trunk R'y bonds 
Jeffersonville, Madison & Ind. R.R. bonds, 
Toledo, Ann Arbor & Cadillac R'y bonds, 
Dunkirk, Warren & Pittsburgh Railway bonds 
Chicago, St. Paul, Minn. & Omaha R'y bonds 
Alabama Central Railroad bonds, 
Louisville, St. Louis & Texas Railway bonds 
Savannah & Western Railroad bonds, 
Virginia Midland Railway bonds, . 
Standard Gas Company bonds, 
Des Moines Water Works Co. of Iowa bonds 
Denver Water Company bonds, 
Streator, 111., Aqueduct Company bonds, . 
2,000 shares Pennsylvania Railroad Company 
1,000 " Fort Wayne & Jackson Railroad 
1,000 " Chic, St. P., Minn. & Omaha R'y 
1,000 " N. Y. Cent. & Hud. River R.R., 
1,000 " Rensselaer & Saratoga Railroad 
1,000 " United N. J. R.R. and Canal Co. 
1,000 " Morris & Essex Railroad, . 
1,000 " Lake Shore & Mich. South. R'y, 
500 " Standard Gas Light Company, 
100 " N. Y. Central & Hud. R. R.R. scrip 
400 " National Broadway Bank, . 
200 " American Ex. Nat. Bank, N. Y., 
200 " Mercantile National Bank, N. Y. 
200 " Bank of America, N. 1\, 
200 " Natl Bank of Commerce, N. Y., 
200 " Manhattan Company, N. Y., 
200 " Merchants 1 Ex. Natl Bank, N.Y. 
200 " Nassau Bank, 
200 " Chatham National Bank, N. Y., 



l'ar Value. 

$19,000 00 

8,000 00 

25,000 00 

5,000 00 

31,648 50 

200,000 00 

112,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

110,000 00 

100,000 00 

104,000 00 

100,000 00 

75,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

50,000 00 

25,000 00 

10,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

100,000 00 

50,000 00 

100,000 00 

50,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 



Market Value. 

120,330 00 

8,240 00 

25,750 00 

5,250 00 

31,048 50 

200,000 00 

109,200 00 

125,000 00 

117,125 00 

.,000 00 

115,000 00 

75,000 00 

120,500 00 

103,000 00 

101,375 00 

121,000 00 

90,000 00 

120,640 00 

80,000 00 

-7,000 00 

60,750 00 

50,500 00 

32,500 00 

17,000 00 

36,000 00 

45,000 00 

51,500 00 

25,000 00 

10,000 00 

96,250 00 

115,000 00 

110,000 00 

98,375 00 

175,000 00 

226,0-0 00 

75,000 00 

121,000 00 

40,000 00 

9,837 50 

23,000 00 

29,000 00 

41,000 00 

39,000 00 

35,200 00 

18,550 00 

12,000 00 

16,250 00 

17.450 00 



HOME INSURANCE CO. 



229 



200 shares N'l Butch V and DrovV B'k, N.Y. 

100 " Hanover National Bank, N. Y., 

100 " National Bank of the Republic, 

100 " Fourth National Bank, N. Y., 

200 " Holland Trust Company, . 

20C " Franklin Trust Co., Brooklyn, 

50 " Metropolitan Trust Company, 

45 " Long Island Loan and Trust Co. 



Par Value. 

$5,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
5,000 00 
4,500 00 



Market Value. 

$9,050 00 
31,025 00 
16,000 00 
20,000 00 
25,000 00 
52,000 00 
15,250 00 
9,900 00 



$5,125,079 88 $5,749,238 64 



Securities held as collateral for cash loans : — 

Seattle, Lake Shore & Eastern Railroad bonds 
Atchison, California & Pacific Railroad bonds 
St. Joseph & Grand Island Railroad bonds, 
Spokane & Palouse Railway bonds, 
100 shares Second National Bank, N. Y., 
Dakota & Great Southern Railroad bonds, 
Des Moines & Ft. Dodge Railroad bonds, 
100 shares Des Moines & Ft. Dodge Railroad 
Western Union Telegraph bond, 
Seattle, Lake Shore &■ Eastern Railroad bond 
11 shares Nassau Ferry Co., 
Louisville & Nashville Railroad bond, 
Dakota & Great Southern Railroad bond, 
Des Moines & Ft. Dodge Railroad bond, . 
8 shares Morris & Essex Railroad, . 
5 shares Wheeling & Lake Erie Railroad, 
Des Moines & Ft. Dodge Railroad bonds, 
Seattle, Lake Shore & Eastern Railroad bonds 
Albemarle & Chesapeake Canal Co. bonds, 
400 shares National Bank of North America, 
Cleveland & Canton Railroad bond, 
Houston & Texas Central Railroad bond, 
Toledo, Ann Arbor & Grand Trunk R.R. bond 
New Haven & Northampton Railroad bond, 
Chicago & Eastern Illinois bond, 
Chicago & Northwestern Railroad bond, 
St. Paul City Railway bond, 
Pittsburgh, Painesville & Fairport bond, 
10 shares Wells, Fargo & Co. Express, . 

6 " Naugatuck R.R. Co., . 

2 " Chicago & Northwestern Railroad, 

7 " City Bank of New Haven, Conn., 
5 " Middletown National Bank, 
1 share National New Haven Bank, 

3 shares Prov. Sav. Life Ass'ce Society, N. Y. 



Market Value. 

|2,500 00 ] 
1,440 00 ' 
1,370 00 j 
2,650 00 J 
30,000 00 
1,040 00 
27,500 00 ) 
2,600 00 S 
1,120 00 
1,500 00 ? 
1,650 00 S 
1,000 00 
1,040 00 
5,000 00 
600 00 ) 
230 00 S 
2,500 00 ) 
1,000 00 \ 
2,200 00 j 
47,040 00 
800 00 ^ 
1,000 00 ' 

900 00 
1,170 00 
575 00 
465 00 
1,000 00 | 
980 00 }> 
1,250 00 
1,200 00 
268 00 
840 00 
498 75 
180 00 
300 00 J 



Loaned Thereon. 



} $7,200 00 



10,000 


00 


800 


00 


25,000 00 


500 


00 


2,700 00 


500 


00 


400 


00 


4,000 


00 


500 00 


4,000 


00 


37,800 


00 



9,000 00 



$ 145,406 75 $102,400 00 



230 



HOME INSURANCE CO. 



Summary of Assets Dec. 31, 1893.* 

Cash value of unencumbered real estate, . $1,566,468 90 

Loans on mortgage of real estate (first liensf), 615,592 82 

Interest due or accrued thereon, . . . 15,870 63 

Stocks and bonds, as per schedule, . . . 5,749,238 64 

Loans on collateral securit} 7 , as per schedule, . 102,400 00 

Cash deposited in bank, 297,241 31 

Interest due and accrued, 34,153 29 

Premiums in course of collection (gross), . 951,440 80 

Notes taken for marine and inland risks, . 13,233 90 

Gross assets, $9,345,640 29 

Deduct special deposits in other States, 136,625 00 



Balance, $9,209,015 29 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$126,241 97 

714,333 35 

54,254 28 



£894,829 60 
184,390 00 

$710,439 60 

4,754,093 00 

140,316 79 

94,353 26 



55,699,202 65 
88,635 65 



5,610,567 00 



Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



. £3,598,448 29 
. 3,000,000 00 

. £598,448 29 



* The company holds, also, instalment premium notes to the amount of $696,216.70, which 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
"Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sum consisting of " unearned pre- 
miums." 

t Value of lands mortgaged $980,085 00 

Value of buildings thereon, 590,175 00 

Amount of insurance held as collateral 394,550 00 



HOME INSURANCE CO. 



231 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $912,822 05 
Same not collected, 32,304 37 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... $6,806,588 43 
Less re-insurance and return premiums, . . 1,760,453 00 

Net cash fire premiums received, . . . $5,046,135 43 

Marine premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... 321,503 36 
Less re-insurance and return premiums, . . 137,981 13 

Net cash marine premiums received, . . 183,522 23 

Interest received on mortgages, 30,981 07 

Interest and dividends received from all other sources, . . 268,004 90 

Income from rents, 104,396 11 

Gross cash income, $5,633,039 74 



• Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 

Risks and Premiums. 



),517 68 
6,857,817 56 

>7,738,335 24 
931,746 81 



$36,533 11 
317,898 14 

>354,431 25 
32,927 89 



1,918,778 46 
570,269 48 



$3,348,508 98 



,457 65 
42,625 53 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$893,145,890 00 
683,449,286 00 



137,832 12 
300,000 00 
1,002,446 69 
454,656 94 
88,335 10 
386,881 43 

55,718,661 26 

Premiums. 

58,810,533 00 
6,857,817 56 



$1,576,595,176 00 
536,952,832 00 



$1,039,642,344 00 
164,449,720 00 



[5,668,350 56 

5,691,587 56 

£9,976,763 00 

1,055,271 00 



$875,192,624 00 $8,921,492 00 



232 



THE INSURANCE CO. OF NORTH AMERICA. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . . . 



§0,596,230 00 
09,641,812 00 

$76,238,042 00 
69,374,302 00 



$6,863,740 00 
1,261,712 00 



8159,282 00 
317,898 14 

8477,180 14 
300,684 14 



$176,496 00 
35,389 00 



85,602,028 00 f 141,107 00 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$101,247,731 00 

61,217,055 00 

3,480,034 00 

111,268 00 

9,115,000 00 

300,000 00 

196,300 00 



« PRESIDENT AND DIRECTORS OF THE INSURANCE COMPANY 
OF NORTH AMERICA," PHILADELPHIA, PA. 

[Incorporated April 14, 1794. Commenced business 1792.] 
Paid-up Capital, $3,000,000. 
CHARLES PLATT, President. GREVILLE E. FRVER, Secretary. 



Detailed Statement of Stocks and Bonds. 



Boston city bonds, 

Richmond, Va., city bonds, 

Georgia State bonds, 

Baltimore water bonds, 

Toledo city bonds, 

Cincinnati city bonds, 

Belgian government bonds, 

Fall River city bonds, 

Providence city bonds, 

Burlington city bonds, 

East Lincoln (111.) bonds, 

City of Montreal bonds, . 

Western Springs, Cook Co., 111., warrants, 

City of Chicago warrants, 

Pennsylvania Railroad bonds, 

Philadelphia & Reading Railroad bonds, 



Par Value. 

3112,000 00 
50,000 00 
25,000 00 

200,000 00 
11,000 00 
39,000 00 
49,000 00 
30,000 00 
25,000 00 
12,000 00 
10,000 00 

111,000 00 
27,562 44 
22,525 00 

430,000 00 

350,000 00 



Market Value. 

£1 18,720 00 
49,000 00 
27,500 00 

202,000 00 
11.200 00 
43,290 00 
49,000 00 
30,000 00 
26,500 00 
12,960 00 
10,000 00 

111,000 00 
27.562 44 
22.525 00 

489,900 00 

437.500 00 



THE INSURANCE CO. OF NORTH AMERICA. 



233 



North Pennsylvania Railroad bonds, 
Belvidere & Delaware Railroad bonds, . 
Pennsylvania & N. Y. Canal & R.R. bonds, 
Lehigh Valley Railroad bonds, 
Delaware Division Canal bonds, 

French rentes, 

Lehigh Coal and Navigation Company, . 

Easton & Amboy Railroad Company, 

Philadelphia & Erie Railroad, . 

Chicago & Western Indiana Railroad bonds, 

Northern Central Railway bonds, . 

Pitts., McKeesp't & Youghiogheny Railroad, 

Lehigh Valley Railroad bonds, 

The BeltR.R. and Stock Yard Company bonds 

Bergen County Railroad bonds, 

Car Trust of New York bonds, 

New York & Long Branch Railroad bonds, 

100 shares Philadelphia National Bank, 
40 " Philadelphia Bourse, . 

228 " Chesapeake and Del. Canal Co., 
1,000 " Ins. Co. of N. America, $18,750 00 
Atlantic Mutual Insurance scrip, 
Philadelphia & Baltimore Central Railroad, 
Delaware & Chesapeake Railroad bonds, 
Steubenville & Indiana Railroad bonds, . 
Corning, Cowan esque & A. R.R. bonds, . 
New York, Lake Erie & Western R.R. bonds 
Terre Haute & Logansport R.R. bonds, . 
Texas & Pacific Railway bonds, 
Louisville & Nashville Railroad, 
Lehigh Coal & Navigation bonds, . 
New York, West Shore & Buffalo R.R. bonds, 
San Antonio & Aransas Pass Railway bonds, 
Wrecking Boat " North America" bonds, 
Canada & Atlantic Railroad bonds, . 
Jefferson Railroad bonds, .... 
McKeesport & Belle Vernon Railroad bonds, 
Penn. & New York Canal and R.R. bonds 
Baltimore Belt Railroad bonds, 
Elizabeth Railroad of Austria bonds, 
Tio^a Railroad bonds, .... 
Philadelphia & Reading Railroad bonds, 
Lehigh Valley bonds, .... 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Camden & Atlantic bonds, 
Northern Pacific Railroad bonds, 



Par Value. 

$80,000 00 

50,000 00 

30,000 00 

200,000 00 

15,000 00 

5,800 00 

5,000 00 

100,000 00 

150,000 00 

97,000 00 

11,000 00 

50,000 00 

38,000 00 

50,000 00 

50,000 00 

43,000 00 

150,000 00 

10,000 00 

2,000 00 

11,400 00 

18,750 00 

9,190 00 

100,000 00 

100,000 00 

200,000 00 

36,000 00 

231,000 00 

50,000 00 

14,000 00 

67,000 00 

50,000 00 

25,000 00 

21,000 00 

36,000 00 

20,000 00 

30,000 00 

20,000 00 

50,000 00 

30,000 00 

40,000 00 

5,000 00 

150,000 00 

140,000 00 

50,000 00 

50,t)00 00 

6,000 00 



Market Value. 

$101,600 00 

56,000 00 

36,000 00 

240,000 00 

14,250 00 

5,800 00 

6,250 00 

107,000 00 

169,500 00 

101,850 00 

12,540 00 

60,000 00 

38,760 00 

53,500 00 

55,000 00 

43,000 00 

157,500 00 

18,000 00 

1,750 00 

250 00 

9,190 00 

105,000 00 

95,000 00 

210,000 00 

37,080 00 

248,100 00 

52,000 00 

14,980 00 

74,370 00 

50,500 00 

26,000 00 

12,180 00 

36,000 00 

18,000 00 

30,000 00 

24,000 00 

46,000 00 

30,000 00 

40,000 00 

5,000 00 

154,500 00 

138,400 00 

51,500 00 

52,500 00 

6,000 00 



1,182,477 44 $4,513,507 44 



234 



THE INSURANCE COMPANY OF NORTH AMERICA. 



Securities held as collateral for cash loans : — 

27 shares Pennsylvania Railroad, . 

2 shares Penn. Co. for Insurance on Lives, . 

1 share United Companies of New Jersey, . 

250 shares Real Estate Trust Company, . 

30 " Philadelphia Mortgage Company, . 

20 " Insurance Co. of North America, . 

50 " Penn. Co for Insurance on Lives, . 

Loaned on Company's own stock, §1,050 00 



Market Value. Loaned Thereon. 

$1,296 00] 

990 00 \ 12,000 00 

225 00 j 
20,000 00 15,000 00 
3,000 00 > 3 000 00 

375 00 S 
24,750 00 5,000 00 



$50,636 00 $25,000 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Xotcs taken for marine and inland risks, 

Re-insurance, 

Bills receivable, .... 
Gross assets, .... 
Deduct special deposits in other States, 



Balance, $9,241,080 11 



$314,244 74 

2,703,7:;: 

35,106 97 

4,513,507 44 

25,000 00 

712,105 44 

921,593 19 

111,172 12 

3,318 35 

79,904 10 



$9,479,780 11 

-.: o oo 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, . 
Less re-insurance and salvage, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Bills payable, 

Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 



.290 04 

530,215 76 

20,771 19 



.270 99 
158,398 44 



6594,878 do 

3,125,926 94 

771,621 58 

37,500 00 

32,778 37 

94,178 . 



§4,656.883 76 
100,280 05 



4,556,003 71 



. $4,684,476 
. 3,000, 



40 



81,684,476 40 






* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$7,206,147 00 

. ! 



THE INSURANCE CO. OF NORTH AMERICA. 



235 



$3,742,554: 47 



),578 41 

2,997,000 08 

^3,477,578 49 

470,679 81 






Income. 
Fire premiums outstanding Dec. 31,1892, . $565,761 34 
Premiums on risks written or renewed, . . 4,600,486 51 

Total, $5,166,247 85 

Premiums now in course of collection, . . 562,085 50 

Entire premiums collected, .... §4,604,162 35 

Less re-insurance and return premiums, . . 861,607 88 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, .... §3,006,898 68 

Less re-insurance and return premiums, . . 1,078,287 53 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from perpetual deposits, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... $2,559,537 21 

Cash paid for marine and inland losses, . . $2,810,227 96 

Deduct salvage and re-insurance, . . . 1,042,108 44 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 
Deposits returned on perpetual fire risks, . $18,419 45 

Gross cash expenditures, . 

Risks and Premiums. 



$25,284 08 



$2,706,014 63 
146,477 42 



1,928,611 15 

163,913 45 

238,243 52 

6,864 63 

6,080,187 22 



1,768,119 52 
360,000 00 
944,040 13 
281,620 25 
125,454 20 
330,136 86 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$615,005,191 00 
555,053,126 00 

§1,170,058,317 00 
566,958,575 00 

$603,099,742 00 
21,000,894 00 



, $6,368,908 17 

Premiums. 

$5,670,276 45 
4,600,486 51 

$10,270,762 96 
4,605,657 05 

$5,665,105 91 
192,648 55 



Perpetual risks in force (not included above) , 33,416,952 00 



$582,098,848 00 $5,472,457 36 
846,965 50 



236 INSURANCE CO. OF THE STATE OF PENNSYLVANIA. 



Marine risks outstanding Dec. 31, 1892, . 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 



-10,342,046 00 $323,881 20 
404,837,550 00 2,997,000 08 



$470,180,196 00 $3,320,881 28 
453,641,196 00 2,982,012 10 



$16,539,000 00 $338,869 18 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (12 per cent.), 

Company's stock owned by directors, 



$110,105,338 00 

77,700,248 00 

2,643,8-v 

1,797,320 00 

12,573,934 00 

360,000 00 

128,080 00 



"INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA," 

PHILADELPHIA, PA. 

[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.] 

Paid-up Capital, $200,000. 

GEO. G. CROWELL, President. A. B. EARLE, Secretary. 



Detailed Statement of Stocks and Bonds. 



20 shares Philadelphia National Bank, . 
Philadelphia & Reading Railroad Co. bonds, 
Harrisburg, P., L. & Mt Joy Railroad bonds, 
Car Trust of New York bonds, 
Chicago & W. Indiana Railroad bonds, . 
Corning, Cowanesque & Antrim R.R. bonds, 
Shamokin, Sunbury & L. R.R. bonds, 
Terre Haute & Logansport Railroad bonds, 
Steubenville & Indiana Railroad bonds, . 
Long Dock Co. bonds, .... 
Pittsburgh Junction Railroad Co., . 
St. Paul & Northern Pacific Railroad bonds, 
Sunbury, H. & Wilkesbarre Railroad bonds, 
Northern Central Railroad bonds, . 
City of Quincy bonds, .... 
Wabash Railroad Co. bonds, . 
Syracuse, Geneva & Cor. Railroad bonds, 



Par Value. 

$2,000 00 
13,000 00 
15,000 00 

7,000 00 
11,000 00 

8,000 00 
10,000 00 
20,000 00 
30,000 00 
10,000 00 
10,000 00 
10,000 00 

4,000 00 
10,000 00 
10,000 00 
14,000 00 

7,000 00 



Market Value. 

$3,680 00 
10,945 00 

15,600 00 

00 

12,760 00 

8,320 00 
10,200 00 
21,000 00 
31,500 00 
12,350 00 
12,400 00 
11,800 00 

4,090 00 

10,500 00 

10,500 00 

10,500 06 

25 00 



$191,000 00 $200,670 00 



INSURANCE CO. OF THE STATE OF PENNSYLVANIA. 237 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Notes taken for fire risks, 
Rents due and accrued, 
Re-insurance, etc , 
Gross assets, 



31, 1893. 

$325,121 00 

74,750 00 

1,849 91 

200,670 00 

558 01 

61,098 82 

710 00 

48,001 52 

1,963 25 

13,137 16 

27,229 45 



$755,089 12 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due for borrowed money, 
Commissions and brokerage, . 

Re-insurance, 

Contingent reserve, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from perpetual insurance, etc., . 
Deposits received for perpetual fire risks, 

Gross cash income, .... 



$5,046 37 

39,486 63 

176,557 02 

197,713 74 

45,000 00 

9,600 30 

20,599 40 

10,000 00 



§37,752 07 
444,611 51 

$482,363 58 
48,001 52 

$434,362 06 
123,618 68 



sources, . 



$16,905 09 



504,003 46 

$251,085 66 
200,000 00 

$51,085 G6 



$310,743 38 

3,537.25 

9,807 24 

14,117 50 

541 88 



$338,747 25 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$155,000 00 
49,300 00 



238 



LUMBERMEN S INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$316,005 16 
49,337 71 



^3,846 70 
605 57 



§11,898 94 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$49,000,872 00 

. 36,675,097 00 

$85,676,969 00 

. 41,097,006 00 

. $44,579,963 00 

. 15,928,112 00 



$266,667 45 

3,241 13 
15,000 00 
68,860 35 
27,184 16 

7,821 74 
19,118 17 

$407,893 00 



Premiums. 

$535,831 62 
444,611 51 

$980,443 13 
459,075 95 

$521,367 18 
168,599 96 



.$28,651,851 00 $352,767 22 



Perpetual risks in force (not included above), 6,749,306 00 217,267 85 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (7£ per cent.), 
Company's stock owned by directors, .... 



$20,380,565 00 

16,216,522 00 

241,488 00 

4,261,406 00 

15,000 00 

25,600 00 



" LUMBERMEN'S INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated June 2, 1873. Commenced business Dec. 11, 1873.] 

Paid-up Capital, $250,000. 

LEWIS DAVIS, President. OLIVER H. HILL, Secretary. 

Detailed Statement of Stocks and Bonds, 

Par Value. Market Value. 

Susquehanna Coal Company bonds, . . $12,000 00 $13,860 00 

Shamokin Valley & Pottsville Railroad bonds, 7,000 00 7,980 00 



lumbermen's INSURANCE CO. 



239 



Pleasantville & Ocean City Railroad bonds, 

Steubenville & Indiana Railroad bonds, . 

Richmond & Danville Railroad bonds, 

Huntingdon & Broad Top Car Trust certific's 

Philadelphia & Reading Railroad bonds, 

Summit Branch Railroad bonds, 

Camden & Atlantic Railroad bonds, 

Mortgage Trust Company of Penn. bonds, 

Chicago, Rock Island & Pacific Railroad bonds 

Lehigh Valley Railroad Company bonds, 

Car Trust of New York certificates, 

Northern Pacific Railroad bonds, 

Grand Rapids & Indiana Railroad bonds, 

West Jersey Railroad bonds, . 

Chicago, St. Louis & Pittsburg R.R. bonds, 

Mortgage Trust Company of Pennsylvania, 

Master Builders' Exchange bonds, . 

Car Trust of New York certificates, . 

West Jersey Railroad bonds, . 

Sunbury, Hazleton & Wilkesbarre R.R. bonds, 

Shamokin, Sunbury & Lewisburg R.R. bonds, 

Pennsylvania Steel Company bonds, 

Lehigh Valley Railroad bonds, 

Texas & Pacific Railroad bonds, 

Ohio River Railroad bonds, 

Lehigh Valley R.R. bonds, 

Cin., Richmond & Fort Wayne R.R. bonds, 

Detroit, Bay City & Alpena Railroad bonds, 

Cambria & Clearfield Railroad bonds, 

Duluth Street Railway Company bonds, . 

St Louis Merchants' Bridge Company bonds, 

Minneapolis General Electric Company, . 

City of St. P£ul, Minnesota, bonds, . 

Electric R'y, Light and Power Co., Sedalia, Mo., 



Par Value. 

$10,000 00 

15,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

7,000 00 

1,000 00 

10,000 00 

3,000 00 

10,000 00 

10,000 00 

10,000 00 

12,000 00 

26,000 00 

8,500 00 

10,000 00 

10,000 00 

10,000 00 

11,000 00 

5,000 00 

16,000 00 

30,000 00 

10,000 00 

10,000 00 

20,000 00 

10,000 00 

20,000 00 

5,000 00 

8,000 00 



Market Value. 

810,300 00 

15,750 00 

5,400 00 

5,125 00 

3,350 00 

10,000 00 

10,500 00 

5,020 00 

10,000 00 

13,100 00 

6,720 00 

1,000 00 

5,500 00 

3,420 00 

11,000 00 

10,250 00 

10,125 00 

9,600 00 

30,160 00 

8,670 00 

10,300 00 

9,500 00 

12,000 00 

8,030 00 

5,000 00 

16,320 00 

35,400 00 

6,000 00 

10,350 00 

18,000 00 

10,300 00 

19,000 00 

5,000 00 

7,600 00 



$376,500 00 1379,630 00 



Securities held as collateral for cash loans : — 

165 shares Minn. Title Ins. and Trust Co., 
45 " 13th & 15th Sts. Pass. Railway, 
97 " Consolidation National Bank, 

200 " Columbus & Xenia R.R., 

Pittsburgh, Cin. & St. Louis Railroad bonds, 

84 shares Citizens' Passenger Railway, . 

Car Trust of New York bonds, 

Manufacturers' Club bond, 

Mortgage assigned, 

100 shares Cambria Mining & Manuf. Co., 



Market Value. 

$16,500 00 
9,450 00 
6,300 00 

16,000 00 
9,280 00 

22,596 00 

] 

[ 11,500 00 

i 

J 



Loaned Thereon. 

$13,000 00 
5,000 00 
6,000 00 
7,000 00 
8,000 00 
4,000 00 

8,000 00 



240 



lumbermen's INSURANCE CO. 



46 shares East Penn. R.R. Co., . 
Huntingdon & Broad Top R.R. bond, 
State Line & Sullivan R.R. bonds, . 
South Jersey Traction Co. bonds, . 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the compan} T , . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, 

disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Xet amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
State and local taxes, .... 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



Market Value. Loaned Thereon. 

$3,550 00 $2,900 00 



1,080 00 
13,000 00 



1,000 00 
00 



$109,256 00 1,900 00 

31, 1893. 

§69,050 00 

376,344 02 

8,651 93 

379,630 00 

64,900 00 

308 80 

27,759 

804 60 
18,386 63 
1,443 00 
$947,278 27 



£1,960 83 

14,401 69 

147 00 

$16,569 52 
1,542 00 

•515,027 52 

111,608 14 

226,151 25 

1,540 00 

1,050 00 

385 15 



355,762 06 

$591,516 21 
250,000 00 

$341,516 21 



$18,143 86 
203,547 67 



$221,691 53 
18,386 63 



$203,304 90 
42,591 46 



$160,713 44 



* Value of lands mortgaged $400,000 00 

Value of buildings thereon 500,000 00 

Amount of insurance held as collateral, .... 330, S50 00 



LUMBERMEN S INSURANCE CO. 



241 



Interest received on mortgages, $21,134 51 

Interest and dividends received from all other sources, . . 22,386 00 

Income from rents and incidentals, 3,620 28 

Deposits received for perpetual fire risks, . $9,717 17 

Gross cash income, $207,860 23 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 

Deposits returned on perpetual fire risks, 

, Gross cash expenditures, .... 



,713 88 
4,562 09 



',747 19 



,151 79 

20,000 00 

31,830 54 

12,109 50 

5,375 70 

8,040 04 



$171,507 57 



Risks and Premiums. 



.$19,137,971 00 
. 19,315,676 00 



5,453,647 00 
. 18,351,280 00 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 9,169,293 00 



.$20,102,367 00 
. 1,152,399 00 



.$18,949,968 00 



Premiums. 

$211,717 18 
203,547 67 



$415,264 85 
185,502 72 



$229,762 13 
13,217 64 



$216,544 49 
251,279 17 






Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$1,502,374 00 

790,632 00 

87,275 00 

268,000 00 

20,000 00 

80,500 00 



242 THE MECHANICS' INSURANCE CO. OF PHILADELPHIA. 



"THE MECHANICS 1 INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 13, 1854. Commenced business May 4, 1854.] 

Paid-up Capital, $250,000. 

CHARLES J. GALLAGHER, President. SIMON J. MARTIN, Secretary. 



Detailed Statement of Stocks and Bonds. 



Phila., Wilmington & Baltimore R.R. bonds, 

Union Passenger Railway bonds, 

Allegheny Car Trust bonds, 

Lombard & South Streets Pass. Railway, 

Steubenville & Indiana Railroad bonds, . 

Borough of Clifton Heights, Penn., bonds, 

Pennsylvania Car Trust bonds, 

Schuylkill River, East Side, Railroad bonds, 

City of St. Louis bonds, .... 

Northern Pacific Terminal bonds, . 

City of Leavenworth, Kansas, bonds, 

100 shares Union Passenger Railway, 

Columbus & Cincinnati Midland R.R. certs., 

City of Harrisburg bonds, 

Phila., Wil. & Baltimore Railroad certificates 

Phila. & Erie Railroad bonds, . 

Bell's Gap Equipment Trust bonds, 

North Pennsylvania Railroad bonds, 

Catawissa Railroad bonds, 

Savannah & Western Railroad bonds, 

City of St. Paul certificates, 

Sun bury & Lewiston Railway Co. bonds, 

30 shares 13th & 15th Streets Pass. Railway, 

20 shares 2d & 3d Streets Pass. Railway, 



Par Value. 

$5,000 00 

20,000 00 

4,000 00 

20,000 00 

25,000 00 

6,000 00 

5,000 00 

30,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

28,000 00 

10,000 00 

11,000 00 

9,000 00 

5,000 00 

10,000 00 

3,500 00 

1,500 00 

1,000 00 



Market Value. 

$5,270 00 

21,500 00 

4,000 00 

20,500 00 

25,750 00 

6,000 00 

5,000 00 

31,800 00 

10,100 00 

9,500 00 

10,000 00 

20,000 00 

9,000 00 

5,200 00 

10,000 00 

28,280 00 

10,000 00 

11,660 00 

10,170 00 

1,750 00 

10,000 00 

3,815 00 

6,300 00 

4,000 00 



$254,000 00 $279,595 00 



Securities held as collateral for cash loans : — 

People's Pass. Railway trust certificates, . 
77 shares Little Schuylkill Railroad, 
40 " Metropolitan Traction Company, . 

200 " Northern Pacific Railroad, 
30 " Equitable Trust Company, 

100 " Hannie Dist'g Company, 

400 Philadelphia & Reading Railroad, 



Market Value. Loaned Thereon. 

$8,000 00 

5,082 00 . j 15( 

3,960 00 , 
900 00 J 

1,815 00 1,200 00 
13,000 00 

3,500 00 



8,500 00 



$36,257 00 $24,700 00 



THE MECHANICS' INSURANCE CO. OF PHILADELPHIA. 243 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, . ' . 



31, 1893. 

$81,000 00 

288,860 00 

4,967 97 

279,595 00 

24,700 00 

1,221 60 

36,072 57 

283 33 

43,515 34 

106 77 



1760,322 58 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$15,918 09 

21,342 93 

3,362 39 

147,563 07 

206,406 04 

71 00 

11,027 95 

4,600 48 



410,291 95 

$350,030 63 
250 000 00 

$100,030 63 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $32,221 50 
Premiums on risks written or renewed, . . 290,078 30 

Total, $322,299 80 

Premiums now in course of collection, . . 43,515 34 

Entire premiums collected, .... $278,784 46 
Less re-insurance and return premiums, . . 43,957 29 

Net cash fire premiums received, . . . $234,827 17 

Interest received on mortgages, 14,614 76 

Interest and dividends received from all other sources, . . 15,108 29 

Income from rents, etc., 4,119 82 

Deposits received for perpetual fire risks, $16,865 59 



Gross cash income, $268,670 04 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$696,850 00 
252,600 00 



244 



MERCHANTS' INSURANCE CO. OF NEWARK. 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash j:>aid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for expenses on real estate, . 

Gross cash expenditures, .... 



$164,804 32 
1,771 68 



$163,032 04 
20,092 00 
63,104 22 
11,382 70 
6,23.: 74 
11,817 25 
319 78 

6,044 38 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 



820,445,084 00 
29,691,524 00 



Premiums. 

- 

290,078 30 



155,136,608 00 $539,084 91 
26,583,916 00 260,875 70 



In force at end of year $28,552,692 00 

Perpetual risks in force (not included above), 10,127,406 00 

Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$278,209 21 
226,529 65 



$2,105,900 00 

1,107,616 00 

185,463 00 

420,660 00 

20,000 00 

52,500 00 



"MERCHANTS 1 INSURANCE COMPANY OF NEWARK," 

NEWARK, N. J. 

[Incorporated Feb. 18, 1858. Commenced business April IS, 1858.] 

Paid-up Capital, $400,000. 

G. LEE STOUT, President. J. R. MULLIKIN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Morris & Essex Railroad stock, . . . £25,000 00 f 38,500 00 

United New Jersey R.R. & Canal Co. stock, . 15,000 00 34,500 00 

Newark Gas Light Company stock, . . 10,000 00 27,500 00 

Citizens 1 Gas Light Company stock, . . 13,700 00 27,400 00 

Warren Railroad stock, 36,050 00 55,156 50 

United States bonds, 25,000 00 28,500 00 



MERCHANTS' INSURANCE CO. OF NEWARK. 



245 



New Jersey Southern Railroad bonds, . 
Long Branch & Sea Shore Railroad bonds, 
Midland Railroad of New Jersey bonds, 
Newark & Bloomfield Horse Car R.R. bonds, 
Belleville & Newark Horse Car R.R. bonds, 
Irvinp-ton & Newark Horse Car R.R. bonds, 
American Dock and Improvement bonds, 
Underwriters 1 Protective Asso'n, Newark, 
Long Branch school bonds, 



Tar Value. 

$30,000 00 

5,000 00 

100,000 00 

10,000 00 

1,000 00 

3,000 00 

50,000 00 

1,000 00 

12,000 00 



Market Value. 

$32,400 00 

5,500 00 

117,000 00 

11,000 00 

1,100 00 

3,300 00 

55,500 00 

1,000 00 

13,200 00 



$336,750 00 $451,556 50 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 



st liens*) 



Loans on mortgage of real estate (fir 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Rents due and accrued, 

Re-insurance due, 

Premiums more than 3 months due 

Gross assets, 
Deduct special deposits in other States, 



$5,532 91 



$302,918 25 

354,398 00 

6,866 75 

451,556 50 

9,130 79 

37,974 50 

3,762 41 

130,549 63 

1,760 25 

812 97 



f 1,299,760 05 
28,500 00 



Balance, $1,271,260 05 



Liabilities. 



Losses adjusted, unpaid, .... 


$53,105 56 


claimed and reported, . 


60,429 36 


disputed or resisted, 


20,636 15 


Total amount of losses, .... 


. $134,171 07 


Less re-insurance, ..... 


4,910 32 


Net amount of unpaid losses, . 


. $129,260 75 


Unearned premiums on outstanding risks, 


601,847 60 


Rnclaimable on perpetual fire policies, . 


275 50 


Unpaid scrip ordered to be redeemed, 


391 00 


Interest due or accrued on scrip, 


87 40 


State and local taxes, .... 


1,688 08 


Commissions and brokerage, . 


23,902 89 










Amount of insurance held as collateral, 


424,900 00 



246 



MERCHANTS' INSURANCE CO. OF NEWARK. 



Return premiums, .... 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-ii}) capital, . 



Surplus over capital, 



$17,498 08 
21,318 10 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from profit on sale of securities, 



Gross cash income, 



$152,750 07 
1,111 82 



$151,638 25 
1,050,928 02 

$1,202,566 27 
136,082 54 

£1,066,483 73 
212,298 12 



sources, . 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



$794,003 75 
23,576 32 



$796,269 40 



$474,99' 
400,000 00 



$74,990 65 



$854,185 61 
20,236 54 
26,156 11 
11,431 41 
14,600 07 

$926,609 74 



$770,427 


43 


40,000 00 


41 


00 


15 


60 


155,247 


79 


42,197 


93 


32,671 


73 


106,206 


77 



$1,146,808 25 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-iusured, 

Net amount in force, . 



Premiums. 

$123,211,153 00 $1,408,985 
88,760,099 00 1,050,928 






$211,971,252 00 $2,459,913 
93,915,687 00 1,175,862 



$118,055,565 00 $1,284,050 
10,333,255 00 - .541 



39 



$107,722,310 00 $1,200,509 38 



MERCHANTS' INSURANCE CO. IN PROVIDENCE. 



247 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, . 



$12,686,650 00 
7,263,740 00 
731,998 00 
884,219 00 
40,000 00 
84,625 00 



"MERCHANTS' INSURANCE COMPANY IN PROVIDENCE," 

PROVIDENCE, R. I. 

[Incorporated May, 1851. Commenced business July, 1851.] 

Paid-up Capital, $200,000. 

W. T. BARTON, President. W. P. GOODWIN, Secretary. 



Detailed Statement of Stocks 



1,600 shares National Bank of Commerce, 
1,000 " American National Bank, 
400 " Merchants' National Bank, 
200 " Globe National Bank, . 
467 " Providence Gas Company, 
200 " Phenix National Bank, 
257 " Mechanics' National Bank, 
102 " Manufacturers' National Bank, 
100 " St. Paul & Duluth Railroad, 
5 " Underwriters' Salvage Co., . 
Chicago, Burlington & Northern R.R. bonds, 
Eastern Railroad of Minnesota bonds, 
Town of Pawtucket, R. I., bonds, 
Lowell Street Railway Co bonds, . 
Minneapolis Street Railway Co. bonds, . 



Securities held as collateral for cash loans : — 

New Haven & Derby Railroad bonds, 

Wisconsin Central Railroad bond, . 

13 shares Boston & Providence Railroad, 



and Bonds. 

Par Value. 

$80,000 00 

50,000 00 

20,000 00 

10,000 00 

23,350 00 

10,000 00 

12,850 00 

10,200 00 

10,000 00 

500 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 



Market Value. 

$86,400 00 

45,250 00 

26,000 00 

12,000 00 

36,893 00 

15,400 00 

13,492 50 

13,974 00 

8,800 00 

500 00 

10,200 00 

10,450 00 

5,200 00 

5,000 00 

4,750 00 



$261,900 00 $294,309 50 

Market Value. Loaned Thereon. 

$4,500 00 ] 

700 00 \ $6,850 00 
3,250 00 j 



!,450 00 



i,850 00 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens*), $87,500 00 
Interest due or accrued thereon, . . . 1,185 65 

* Value of lands mortgaged $110,000 00 

Value of buildings thereon 135,000 00 

Amount of insurance held as collateral, .... 115,500 00 



248 



MERCHANTS INSURANCE CO. IN PROVIDENCE. 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Casli in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets,* 



0294,309 50 

6,8.50 00 

2,215 11 

32,170 92 

500 75 

16,G75 09 

22,216 35 



$463,623 37 



Liabilities. 

Losses adjusted, unpaid, $18,725 32 

claimed and reported, .... 17,959 35 

disputed or resisted, .... 1,095 00 

Unearned premiums on outstanding risks, . 188,389 64 

State and local taxes, 333 50 

Commissions and brokerage, .... 3,001 51 

Gross liabilities, except capital, . . 229,504 32 

Surplus as regards policy-holders, $234,119 05 

Paid-up capital 200,000 00 

Surplus over capital, . $34,119 05 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $40,630 79 
Same not collected, 102 10 

Net collected $40,528 69 

Premiums on risks written or renewed, . . 342,561 28 

Total $383,089 97 

Premiums now in course of collection, . . 38,891 44 

Entire premiums collected, .... $344,198 53 
Less re-insurance and return premiums, . . 58,608 74 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$285,589 79 

4,797 62 

15,899 40 



Gross cash income, 



5306,286 81 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Casli dividends paid, 



f208,527 87 
10,179 67 



$198,348 20 
6,000 00 



* Including $16,000 special reserve fund held under Rhode Island law. 



MICHIGAN FIRE AND MARINE INSURANCE CO. 



249 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 

Profit and loss account, 



Gross cash expenditures, 



$54,863 40 

39,968 27 

8,548 25 

100 00 

$307,828 12 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

. $32,404,419 00 $378,942 30 
. 29,285,391 00 342,561 28 



Total, ... . 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$61,689,810 00 $721,503 58 
. 29,607,526 00 345,854 22 



. $32,082,284 00 $ 375,649 36 
663,323 00 7,463 01 



.$31,418,961 00 §368,186 35 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$7,256,057 00 

4,903,793 00 

194,888 00 

698,000 00 

6,000 00 

43,550 00 



"MICHIGAN FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated February, 1881. Commenced business March, 1881.] 

Paid-up Capital, $400,000. 

D. WHITNEY, Jr., President. F. H. WHITNEY, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$5,000 00 
12,500 00 
10,025 00 
32,000 00 



People's Savings Bank stock, 
Cheboygan County bonds, 
Detroit city bonds, . 
Marquette city bonds, 



$59,525 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $27,203 02 
Loans on mortgage of real estate (first liens*), 561,725 00 



Market Value. 

$8,500 00 

12,500 00 

10,025 00 

33,600 00 

$61,625 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,261,900 00 
554,900 00 
350,150 00 



250 



MICHIGAN FIRE AND MARINE INSURANCE CO. 



Interest due or accrued thereon, 
Stocks and bonds as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 



Gross cash income, 



822,008 71 

64,625 00 

3,297 08 

14,286 18 

1,180 12 

71,936 04 

12,071 62 



$26,169 31 

28.531 13 
2,127 50 

274,470 08 
10,174 14 

10.532 77 



5,583 48 
524,712 92 

$611,296 40 
71,936 04 

£539,360 36 
141,681 47 

§9,099 39 
76,774 76 

$85,874 15 
12,071 62 

$73,802 5S 
13,639 84 



sources, . 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 



$363,067 52 
35,218 47 



$778,332 77 



352,004 93 

$426,327 84 
400,000 00 



$26,327 84 



$397,678 89 



60,162 69 

36,015 89 

4,161 89 

842 95 



$498,862 31 



f327,849 05 



MIDDLESEX MUTUAL ASSUKANCE CO. 



251 



Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 



$74,539 47 
11,286 35 



Gross cash expenditures, 



$63,253 12 

16,000 00 

86,721 94 

14,927 90 

13,198 83 

46,590 19 

§568,541 03 



Fire risks outstanding Dec. 31, 1892, 
Tire risks written during 1893, 



Risks and Premiums. 

Premiums. 

.$50,329,474 00 $611,698 75 
. 40,885,718 00 524,712 92 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



.$91,215,192 00 $1,136,411 67 
. 38,887,319 00 519,745 77 



. f52,327,873 00 $616,665 90 
. 9,886,533 00 86,316 01 



. $42,441,340 00 $530,349 89 



$356,726 00 
4,334,504 00 



$13,149 72 
76,774 76 



$4,691,230 00 
4,559,130 00 

$132,100 00 



$89,924 48 
84,346 04 

$5,578 44 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (4 per cent.), . 

Company's stock owned by directors, 



$4,309,154 00 

2,366,494 00 

346,350 00 

71,803 00 

166,000 00 

16,000 00 

216,050 00 



"MIDDLESEX MUTUAL ASSURANCE COMPANY," MIDDLETOWN, 

CONN.* 

[Incorporated June 2; 1836. Commenced business June 13, 1836.] 
O. VINCENT COFFIN, President. C. W. HARRIS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

$42,000 00 $42,000 00 
100,000 00 100,000 00 



Middletown, Conn., town bonds, 
Portland, Conn., town bonds, . 



* A mutual company. 



252 



MIDDLESEX MUTUAL ASSURANCE CO. 



Jefferson ville, Ind , city bonds, 
Evansville, Ind., city bonds, 
Delaware & Hudson Canal Company bonds, 
American Water Works bonds, 
Nebraska Loan & Trust Company bonds, 
Middlesex Banking Company bond-, 
200 shares N. Y. Cent. & Hudson River R.R , 
250 " Chic, Rock Island & Pacific R.R., 
300 " New York, New Hav. & Hart. R.R. 
200 " Chicago, Burl. & Quincy R.R., 
400 " Chicago & Northwestern R.R., 
150 " Middietown National Bank, Conn. 
40 " First Nat'l Bank, Middled, Conn. 
85 « Middlesex Co. N'l Bank, Middlet'n 
30 " Central Nat'l Bank, Middietown, 
10 " First National Bank, Portland, 
N. Y., New Haven & Hart. R.R. certificates, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, 

Surplus as regards policy-holders, . 



Par Value. 

510,000 00 

5,000 00 

10,000 00 

10,000 00 

77,000 00 

10,000 00 

20,000 00 

25,000 00 

30,000 00 

20,000 00 

40,000 00 

11,250 00 

4,000 00 

8,500 00 

2,250 00 

1,000 00 

6,000 00 



Market Value. 

J 10,000 00 

4,500 00 

13,800 00 

9,000 00 

77,000 00 

10/00 00 

19,400 00 

15,750 00 

57,000 00 

15,000 00 

46,800 00 

15,075 00 

4,000 00 

00 

2,850 00 

1,000 00 

6,000 00 



$432,000 00 $457,075 00 

31, 1893. 

? 180,000 00 

4,900 00 

457,675 00 

12,233 19 

12,498 09 

8667,306 28 



81,200 00 

144,853 25 

3,916 36 

3,124 52 



153,094 13 



$514,212 15 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 


? 11,889 05 
81,125 60 


Total 

Premiums now in course of collection, , 


$93,014 65 
12,498 09 


Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 


$80,516 oQ 
4,857 13 

ft7n 659 13 






$16,925 00 



MILWAUKEE MECHANICS INSURANCE CO. 



253 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for interest on borrowed money, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . . 
Deduct amount re-insured, . 

Net amount in force, . 



136,113,048 00 
11,715,136 00 



$47,828,184 00 
10,188,995 00 



$37,639,189 00 
7,125 00 



$369 50 
27,140 07 
14,435 47 



$117,604 47 



$59,118 09 

11,169 38 

12,750. 00 

7,107 97 

732 21 

12,054 73 

$102,932 38 



Premiums. 

$275,810 95 
81,125 60 

$356,936 55 
67,188 43 

$289,748 12 
41 67 



$37,632,064 00 $289,706 45 



Miscellaneous. 

Losses paid from organization of company, . 
Fire losses during the year, . 



$737,756 00 
59,118 00 



"MILWAUKEE MECHANICS' INSURANCE COMPANY," 
MILWAUKEE, WIS. 

[Incorporated Feb. 15, 1852. Commenced business April 1, 1852.] 

Paid-up Capital, $200,000. 

CHRISTIAN PREUSSER, President. ADOLF J. CRAMER, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$188,000 00 
34,000 00 
30,000 00 



Milwaukee city bonds, 

Brown County, Wis., bonds, 

Oshkosh City, Wis., bonds, 

La Crosse City, Wis., bonds, 

St. Paul, Minn., city bonds, 

Ramsey County, Minn., bonds, 

Mil. Underwriters B'ld'g Assoc'n stock, 



35,000 00 

225,0i)0 00 

100,000 00 

8-42 00 



Market V alue. 

$190,950 00 

36,720 00 

32,400 00 

37,100 00 

243,125 00 

106,500 00 

842 00 



$612,842 00 $647,637 00 



254 



MILWAUKEE MECHANICS' INSURANCE CO. 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



31, 1893. 

845,000 00 

1,077,396 09 

21,030 00 

647,037 00 

61,902 54 

74,536 87 

6,528 00 

82,474 04 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



$2,016,504 54 



833,908 00 

40,935 00 

8,800 00 

674,360 55 
16,494 81 
38,434 03 



812,932 39 

. $1,203,572 15 
200,000 00 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mort^a^es, .... 
Interest and dividends received from all other sources, 
Income from rent and incidentals, .... 

Gross cash income, 



. ? 1,003,572 15 



877,172 44 
1,064,867 94 

81,142,040 38 
82,474 04 

81,059,566 34 
178,004 59 



$881,561 75 

58,689 93 

30,733 01 

1,300 00 

8972,284 69 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 



£615,685 75 
55,767 65 



$559,918 10 



* Value of lands mortgaged, $1,797,400 00 

Value of buildings thereon 600,000 00 

Amount of insurance held as collateral 491,900 00 



MUTUAL FIRE INSURANCE CO. IN THE CITY OF NEW YORK. 255 



Cash dividends paid, $40,000 00 

Cash paid for commissions and brokerage, .... 227,639 94 

for salaries of officers and employees, . . . 46,608 30 

for State and local taxes 29,235 *9 

for incidentals, 49,444 22 



Gross cash expenditures, $952,746 45 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . . $91,285,938 00 $1,222,227 15 
Fire risks written during 1893, . . . 74,818,844 00 1,064,867 94 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$166,104,782 00 $2,287,095 09 
62,520,831 00 982,125 60 



$103,583,951 00 $1,304,969 59 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (20 per cent.), 

Company's stock owned by directors, 



59,525,519 00 

4,725,925 00 

580,136 00 

420,000 00 

50,000 00 

86,020 00 



"MUTUAL FIRE INSURANCE COMPANY IN THE CITY OF 

NEW YORK," N. Y. 

[Incorporated Feb. 1, 1869. Commenced business June 19, 1882.] 

Paid-up Capital, $242,036.69. 

J. C. HATIE, President. J. W. DURBROW, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $197,000 00 §222 400 00 

District of Columbia bonds 328,500 00 360,562 50 

Albany & Susquehanna Railroad bonds, . . 40,000 00 47,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 39,000 00 43,700 00 

Chicago, Rock Island & Pacific R.R. bonds, . 38,000 00 44,500 00 

Chicago & North Western Railroad bonds, . 16,000 00 17,440 00 

Rome, Watertown & Ogdensburg R.R. bonds, 14,000 00 15,925 00 

New York Elevated Railroad bonds, . . 25 000 00 28,500 00 

Delaware & Hudson Canal Company bonds, . 35,000 00 47,775 00 

Alabama Central Railroad bonds, . . . 25,000 00 25,750 00 

Nashville, Chat. & St. Louis R R bonds, . . 25,000 00 25,500 00 

280 shares Mercantile National Bank, . . 28,000 00 58,800 00 

551 shares Mechanics' National Bank, . . 13,850 00 25,62^50 



256 MUTUAL FIRE INSURANCE CO. IN THE CITY OF NEW YORK. 



117 shares Importers 1 & Traders' Xat'l Bank, 
200 " Citizens 1 National Bank, . 

118 " Columbia Bank, 

15 " National Park Bank, 

15 " States Trust Company, . 

100 " Fire Association of New York, 

300 " Western Union Telegraph Co., 



Securities held as collateral for cash loans : — 

Wabash Railway Company bonds, . 
Chicago, Burlington & Quincy R.R. bonds, 
Houston & Texas Central Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Chicago, Milwaukee & St. Raul R.R. bonds, . 

Jersey City, N. J., bonds, 

Metropolitan Elevated Railroad bonds, . 
Kew York, Ontario & Western R.R. bonds, 
Chicago & North Western R.R. bonds, 



Par Value. 

111,700 00 
5,000 00 

11,800 00 
1,500 00 
1,500 00 
2,750 00 

30,000 00 



Market Value. 

$69,030 00 
7,500 00 

32,450 00 
4,350 00 
3,075 00 
1,250 00 

25,200 00 



$888,600 00 $1,106,330 03 

Market Value. Loaned Thereon. 

$3,090 00^ 
4,780 00 
6,000 00 
2,955 00 
4,200 00 } 
2,020 00 
2,310 00 
3,000 00 
2,180 00 J 



$30,565 00 £25,000 00 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 

Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Due for borrowed money, 
Commissions and brokerage, . 



31, 1893. 

$1,106,330 00 

25,000 00 

221 06 

80,149 02 

595 00 

260,350 68 



- £1,472,645 76 
45,500 00 

. $1,427,145 76 



$117,967 48 

16,706 86 

574,995 08 

98,000 00 

8,961 76 



Gross liabilities, except capital and scrip, $816,634 18 
Deduct liability on special deposits, . . 22,738 11 

Surplus as regards policy-holders, 

Paid-up capital £242,036 69 

Scrip outstanding, not ordered to be redeemed, 646,126 R0 



% 



Impairment of scrip, . 



793,896 07 
$633,249 69 

888,162 69 
$254,913 00 



MUTUAL FIRE INSURANCE CO. IN THE CITY OF NEW YORK. 257 



Income. 

Fire premiums outstanding Dec. 81, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



$177,812 34 
1,470,058 03 



,647,870 37 
260,350 68 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



$1,387,519 69 
386,420 27 



$1,001,099 42 
57,401 90 



. $1,058,501 32 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . . . 

Gross cash expenditures, .... 



$903,578 44 
49,r36 41 



$854,442 03 
24,880 80 
38,767 56 
121,230 52 
50,917 00 
16,795 66 
84,027 28 

. $1,191,060 85 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$69,108,273 00 $828,220 95 
135,379,849 00 1,470,058 03 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$204,488,122 00 $2,298,278 98 
91,201,464 00 1,146,768 83 



$113,286,658 00 $1,151,510 15 
119,933 00 1,520 00 



13,166,725 00 $1,149,990 15 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Company's stock owned by directors, .... 



$7,465,415 00 

4,517,157 00 

843,530 00 

692,550 00 

24,881 00 

99,565 00 



258 



NATIONAL FIRE INSURANCE CO. OF HARTFOJM>. 



"NATIONAL FIRE INSURANCE COMPANY OF HARTFORD, 1 ' 

HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 1, 1871.] 

Paid-up Capital, $1,000,000. 

JAMES NICHOLS, President. E. G. RICHARDS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Atchison, Topeka & Santa Fe R.R. bond-. . $14,000 00 $7,740 00 

Buffalo Railway Company bonds, . . . 25,000 00 .000 00 

Cedar Rap , Iowa Falls & Northwrn R.R. b'ds, 20,000 00 20,600 00 

Chesapeake & Ohio Railroad bonds, . . 20,000 00 17,200 00 

Chicago & Indiana Coal Railway bonds, . . 25,000 00 25,500 00 

Chicago & Western Indiana Railroad bonds, . 20,000 00 21,200 00 

Chicago & Northwestern Railroad bonds, . 20,000 00 22,800 00 

Chicago, Milwaukee & St. Paul Railroad, . 60,000 00 69,700 00 

Chicago, Burlington & Quincy R.R. bonds, . 13,200 00 13,864 00 

Cincinnati, Dayton & fronton R.R. bonds, . 10,000 00 '0 00 

Cincinnati, Hamilton & Dayton R.R. bonds, . 15,000 00 18,150 00 

Clev., Col , Cin. & Indianapolis R.R. bonds, . 35,000 00 45,150 00 

Columbus, 'Shawnee & Hocking R.R. bonds, . 20.000 00 17,000 00 

Columbus & Toledo Railroad bonds, . . 38,000 00 43,600 00 

Columbus & Hocking Valley Railroad bonds, 10,000 00 11,000 00 

Danbury & Norwalk Railroad bonds, . . 10,000 00 10,600 00 

East Tenn., Virginia & Georgia R.R. bonds, . 30,000 00 27,000 00 

Evansville & Terre Haute R.R. bonds, . . 10,000 00 ' 10,200 00 

Erie Railway bonds, 20,000 00 26,800 00 

Harlem River & Port Chester R.R., . . . 25,000 00 31,000 00 

Hartford & Conn. Western Railroad bonds, . 10,000 00 10,000 00 

Hannibal & St. Joseph Railroad bonds, . . 50,000 00 58,500 00 

Holly, Wayne & Monroe Railroad bonds, . 15,000 00 18,300 00 

Indiana & Lake Michigan Railroad bonds, . 10,000 00 10,000 00 

Knoxville & Ohio Railroad bonds, . . . 20,000 00 19,600 00 

Louisville, New Albany & Chicago R.R. bonds, 20,000 00 .200 00 

Louisville & Nashville Railroad bonds, . . 10,000 00 12.000 00 

Memphis & Charleston Railroad bonds, . . 20,000 00 22,000 00 

Montana Central Railway Co. bonds, . . 20,000 00 22,800 00 

Naumkeag Street Railway bonds, . . . 20,000 00 20,000 00 

N. Y., New Haven & Hart R.R. certificates, . 24,000 00 19,200 00 

Nodaway Valley Railroad bonds, . . . 7,000 00 7.210 00 

Northern Pacific Railroad bonds, . . . 9,000 00 9,180 00 

Norfolk & Western Railroad bonds, . . 22,000 00 20,240 00 

Oregon Railway & Navigation R.R. bonds, . 20,000 00 21,200 00 

Phila. & Reading Coal & Iron Co. bonds, . 12,000 00 12,360 00 

Rochester & Pittsburgh Railroad bonds, . . 25,000 00 29,000 00 

Sandusky, Mansfield & Newark R.R. bonds, . 25,000 00 30,250 00 

St Paul & Northern Pacific Railroad bonds, . 25,000 00 29,000 00 



NATIONAL FIRE INSURANCE CO. OF HARTFORD. 



259 



St. Paul, Minneapolis & Manitoba R.R. bonds 

Seattle, Lake Shore & Eastern R.R. bonds, 

Georgia State bonds, 

Helena city bonds, . 

Lincoln city bonds, . 

Meriden town bonds, 

New Britain city bonds, . 

Richmond city bonds, 

Suffield & Thompsonville Bridge Co. bonds, 

United States bonds, ... 

Underwriters 1 Protective Association bonds, 

West Middle School District, Hartford, bonds 

300 shares Belt Railroad, Indianapolis, . 

200 " Cleveland & Pittsburgh Railroad, 

120 " Chicago, Burl. & Quincy R.R., 

330 " Chicago, Rock Island & Pac. R.R. 

167 " Illinois Central Railroad, 

600 " New York, New Hav. & Hart. R.R 

200 " New York & Harlem Railroad, 

500 " New York Cen. & Hudson Riv. R.R. 

100 " Oswego & Syracuse Railroad, 

760 " Pennsylvania Railroad, . 

100 " Peoria & Bureau Valley Railroad, 

200 " Pitts., Fort ^Yayne.& Chicago R.R. 

250 " iEtna National Bank, 

70 " Boston National Bank, Boston, 
112 " Charter Oak National Bank, . 

50 " Central National Bank, N. Y., 

40 " City Bank, . 
100 " Farmers' and Mechanics' Nat'l B'k 

50 " First National Bank, Meriden, 
509 " Hartford National Bank, 

50 " Mercantile National Bank, 
100 " Metropolitan National Bank, N. Y. 
300 " National Exchange, 

75 " Natl Bank of the Republic, Boston 

20 " NatT Bank of Commerce, Kan . City 
450 " Phoenix National Bank, . 

70 " St. Paul National Bank, . 

25 " Second National Bank, New Haven 
100 " Thames National Bank, Norwich, 
400 " Northwestern Telegraph Company 

5 " Underwriters Salvage Compain-, 
400 " Willimantic Linen Company, . 



Par Value. 

$10,000 00 
20,000 00 
25,000 00 
20,000 00 
12,000 00 
10,000 00 

6,000 00 
44,900 00 
28,000 00 
50,000 00 

1,000 00 
26,000 00 
15,000 00 
10,000 00 
12,000 00 
33,000 00 
16,700 00 
60,000 00 
10,000 00 
50,000 00 

5,000 00 
38,0u0 00 
10,000 00 
20,000 00 
25,000 00 

7,000 00 
11,200 00 

5,000 00 

4,000 00 
10,000 00 

5,000 00 
50,900 00 

5,000 00 

3,400 00 
15,000 00 

7,500 00 

2,000 00 
45,000 00 

7,000 00 

2,500 00 

10,000 00 

20,000 00 

500 00 

10,000 00 



Market Value. 

$ 11,600 00 
11,000 00 
27,500 00 
21,600 00 
12,"00 00 
10,200 00 

6,600 00 
51,000 00 
28,000 00 
57,000 00 

1,000 00 
26,000 00 
10,500 00 
15,200 00 

9.360 00 
21,780 00 
15,330 00 
117,000 00 
25,500 00 
50,000 00 

9.250 00 
41,040 00 
16,500 00 
30,000 00 
33,000 00 

7,000 00 
11,200 00 

6,500 00 

4,000 00 
11,200 00 

5,700 00 
78,386 00 

3,750 00 

500 00 

18,000 00 

11,250 00 

1,400 00 
56,250 00 

8,750 00 

4,250 00 

14,500 00 

21,000 00 

500 00 

10,000 00 



$1,582,800 00 $1,798,940 00 



Securities held as collateral for cash loans 
10 shares Travelers 1 Insurance Company, 



Market Value. Loaned Thereon. 

$2,000 00 $450 00 



260 



NATIONAL FIRE INSURANCE CO. OF HARTFORD. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, ..... 
Deduct special deposits in other States, . 



Balance, $3,115,955 98 



31, 1893. 

$233,120 36 

601,750 00 

15,154 26 

1,798,940 00 

460 00 

1,871 11 

180,591 52 

1,564 15 

411,014 58 



$3,244,455 98 
128,500 00 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1892 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



$124,617 59. 

132,518 72 

21,164 97 

1,542,127 59 
67,383 80 
50,029 24 

$1,937,841 91 
44,989 00 



1,892,852 91 

$1,223,103 07 
1,000,000 00 

$223,103 07 



. $339,261 26 

. 2,564,043 39 

. $2,903,304 65 

411,014 58 

. $2,492,290 07 

502,987 56 



other sources, . 



$1,989,302 51 

37,086 54 

94,178 79 

400 20 

$2,120,968 04 



* Value of lands mortgaged, 
Value of buildings thereon, . . . 
Amount of insurance held as collateral, . 



$947,550 00 
740,900 00 
479,135 00 



NEWARK FIRE INSURANCE CO. 



261 



Expenditures. 

Cashjpaid for fire losses, ] 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



,472,181 67 
272,964 91 



$1,199,216 76 
100,000 00 
334,336 16 
160,202 44 
46,815 63 
124,786 53 

$1,965,357 52 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, . 



Risks and Premiums. 

Premiums. 

$247,954,691 00 $3,055,752 03 
205,903,323 00 2,564,043 39 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, * . 

Net amount in force, . 



$453,858,014 00 $5,619,795 42 
187,049,562 00 2,330,141 59 



$266,808,452 00 $3,289,653 83 
21,418,224 00 280,072 19 



$245,390,228 00 $3,009,581 64 



Miscellaneous. 

Premiums received from organization of company, . 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), . 

Company's stock owned by directors, 



$15,091,395 00 

7,880,792 00 

1,302,147 00 

1,877,000 00 

100,000 00 

72,200 00 



" NEWARK FIRE INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 
Paid-up Capital, $250,000. 
JOHN J. HENRY, President. FRANK T. McBRIDE, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$30,000 00 



United States bonds, . 
West Shore Railroad bonds, 
Orange & Newark Railroad bonds, 
Essex Passenger Railroad bonds, 
Morris & Essex Railroad stock, 



35,000 00 

25,000 00 

5,000 00 

20,000 00 



Market Value. 

$33,900 00 

36,050 0*0 

27,500 00 

5,500 00 

30,000 00 



262 



NEW AUK FIRE INSURANCE CO. 



Hoboken Land and Improvement bonds, . 
National State Bank stock, . ... 
National Newark Banking Company stock, 
Newark City National Bank stock, . 
East Orange Improvement bonds, . 
Underwriters' Protective Asso'n bonds, . 
Newark & South Orange Railroad bonds, 
Newark water bonds, .... 



Par Value. 

$25,000 00 
15,9' 

7,700 00 

13,250 00 

969 72 

1,000 00 

20,000 00 

500 00 



Market Value. 

$26,250 00 

24,645 00 

12,7 

20,5; 

969 72 

1,000 00 

20,000 00 

500 00 



$199,319 72 $239,557 22 



Summary* of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $50,000 00 
Loans on mortgage of real estate (first liens*), 292,125 00 

Interest due or accrued thereon, . . . 4,550 55 

Stocks and bonds, as per schedule, . . . 239,557 22 

Cash in the office of the company, . . . 4,324 28 

Cash deposited in bank, 10,162 34 

Interest due and accrued 1,085 00 

Premiums in course of collection (gross). . 22,419 76 

Notes taken for fire risks, .... 902 "4 

Rents due and accrued, 170 80 

Premiums more than 3 months due, f 823 48 

Gross assets, £625,296 99 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
L'nearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
State and local tax 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$13,159 20 

12,580 66 
1,651 26 

$27,391 12 
1,912 50 

$25,478 62 

141,266 47 

78 95 

368 23 

5,298 68 



179,290 95 



$446,006 04 
250,000 00 

$196,006 04 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



25 00 

470,475 00 
411,575 00 






NEWARK FIRE INSURANCE CO. 



263 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $21,540 80 

Same not collected, 445 53 

Net collected, $21,095 27 

Premiums on risks written or renewed, . , 230,817 67 

Total, $251,912 94 

Premiums now in course of collection, . . 24,145 28 



Entire premiums collected, . . . . $227,767 66 
Less re-insurance and return premiums, . . 43,495 56 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, 
Income from rents and incidentals, 

Gross cash income, 



$184,272 10 

16,569 71 

12,686 20 

1,445 32 

$214,973 33 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$151,689 55 

8,387 09 



$143,302 46 
25,387 05 
35,878 71 
19,394 14 
9,302 13 
13,437 35 

$246,701 84 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. $32,844,962 00 
. 24,004,037 00 



.$56,848,999 00 
. 25,712,126 00 



$1,136,873 00 
1,965,443 00 



Premiums. 

$313,312 57 
230,817 67 



$544,130 24 
244,696 46 



$299,433 78 
16,119 07 



. $29,171,430 00 $283,314 71 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . . . . 



$4,504,822 00 

2,176,894 00 

150,539 00 

715,780 00 

25,000 00 

40,065 00 



264 



NEW HAMPSHIRE FIRE INSURANCE CO. 



"NEW HAMPSHIRE FIRE INSURANCE COMPANY," 
MANCHESTER, N. II. 

[Incorporated 1869. Commenced business April, 1870.] 

Paid-up Capital, $800,000. 

JAMES A. WESTON, President. JOHN" C. FRENCH, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $100,000 00 1112,000 00 

City of Chicago, 111., bonds, .... 10,000 00 10,400 00 

City of Concord, N. H., bonds, . . . 1,000 00 1,010 00 

City of Topeka, Kansas, bonds, . . . 5,50) 00 ~»5 00 

City of Moorhead, Minn., bonds, . . . 6,000 00 G,120 00 

City of Lincoln, Neb., bonds, .... 26,00000 ".30000 

City of Seattle, Wash., bonds .... 10,000 00 10,200 00 

City of Tacoma, Wash., bonds, . . . 25,000 00 27,250 00 

City of East Portland, Ore., bonds, . . . 25,000 00 27,250 00 

City of Cleveland, O., bonds, .... 50,000 00 54,000 00 

City of Ashtabula, O., bonds, .... 1<),000 00 10,70000 

Maine Central Railroad bonds, . . . 10,000 00 11,200 00 

New York & New England Railroad bonds, . 20,000 00 21,500 00 

Boston, Concord & Montreal Railroad bonds, . 50,000 00 62,000 00 

Concord & Montreal Railroad bonds, . . 75.000 00 .000 00 

Boston & Albany R.R. bonds, . . . . '00 00 5,050 00 

Chicago, Burlington & Quincy R.R. bonds, . 48,000 00 51,000 00 

Union Pacific Railroad Trust 10,000 00 6,00 

Oregon Short Line Railroad bonds, . . . l'»,000 00 8,500 00 

Chicago & West Michigan Railroad bonds, . 25,000 00 20,250 00 

Chicago, Burlington & Northern R.R. bonds, . 5,o00 00 5,100 00 

Montana Central Railroad bonds, . . . 25,000 00 25,500 00 

Lehigh Valley Terminal R'y Co. bonds, . . .000 00 26,500 00 

Hillsborough County. X. II., bonds, . . 5,000 00 5,000 00 

Topeka, Kansas, Water Supply Co. bonds, . 20,000 00 21,000 00 

Claremont, X. H., Water Works, . . . 5,000 00 00 

Minneapolis Gas Light Company bonds, . . 20,000 00 81,000 00 

New Hampshire Trust Company bonds, . . 30,000 00 24,000 00 

Central Loan & Land Company bonds, . . .000 00 20,000 00 

Johnson Loan & Trust Company bonds, . . 9,000 00 8,100 00 

National Loan & Trust Company bonds, . . 10,000 00 10,000 00 

Nashua Card & Glazed Paper Co. bonds, . 10,000 00 10,200 00 

Grand Forks Gas & Electric Company bonds, . 5,000 00 ) 00 

Minneapolis General Electric Co. bonds, . 25,000 00 25,000 00 

Sioux City, Iowa, sewerage bonds, . . . 1,621 47 1,621 47 

Swift & Company, Chicago, bonds, . . . 25,000 00 25,500 00 

Old Colony Steamboat Company bonds, . . 10,000 00 10,200 00 

Suncook Valley Railroad stock, . . . 4,000 00 5,000 00 

New York Cen. & Hudson River R.R. stock. . 10,000 00 10,000 00 

Norwich & Worcester Railroad stock, . . 3,100 00 5,550 00 



NEW HAMPSHIRE FIRE INSURANCE CO. 



265 



Pemigewasset Valley Railroad stock, 

Boston & Albany Railroad stock, 

Boston & Maine Railroad stock, 

Chicago, Burlington & Quincy Railroad stock 

Illinois Central Railroad stock, 

Chicago, Rock Island & Pacific Railroad stock 

Lake Shore & Michigan Southern R.R. stock, 

Chicago & Northwestern Railroad stock, 

Merchants 1 Nafl B'k, Manchester, N. H , stock 

Merchants 1 Nat'l B'k, Kansas City, Mo., stock, 

Pemigewasset N. B'k, Plymouth, N. H., stock 

First NatU Bank, Peterborough, N. H., stock, 

Lancaster Trust Company stock, 

Amoskeag Mfg. Co., Manchester, N. H., stock 

Manchester Mills, Manchester, N. H., stock, 

Stark Mills stock, 

Quincy Bridge stock, .... 

Pullman's Palace Car Company stock, 



Par Value. 

$26,000 00 

7,500 00 

7,500 00 

47,400 00 

30,000 00 

10,000 00 

20,000 00 

25,000 00 

10,000 00 

5,000 00 

6,000 00 

5,000 00 

2,500 00 

10,000 00 

20,000 00 

10,000 00 

8,000 00 

10,000 00 



Market Value. 

$32,500 00 

15,000 00 

10,000 00 

36,972 00 

27,900 00 

6,800 00 

25,200 00 

25,750 00 

13,000 00 

4,000 00 

7,800 00 

7,000 00 

2,500 00 

18,000 00 

23,000 00 

12,000 00 

14,240 00 

17,100 00 



,049,121 47 $1,120,348 47 



Securities held as collateral for cash loans : 

8 shares Manchester & Lawrence Railroad, 
82 " Moline Plow Company, . 

6 " Chicago, Burl. & Quincy R.R., 
36 " Pullman's Palace Car Company, 
Mortgage notes guaran teed, 

11 shares Iowa City Packing & Prov. Co., 
300 shares Swift Refrigerator Trans. Co, 
Grand Forks Gas & Electric Company bonds, 
32 shares Amosk'g N'l B'k, Manchester, N.H, 



Market Value. 

$1,800 00 j 
2,000 00 ! 
6,708 00 i 
6,156 00 ! 
7,300 00 
1,300 00 

30,000 00 
6,000 00 
4,800 00 



Loaned Thereon. 

$2,700 00 

4,000 00 

5,700 00 

1,000 00 

25,000 00 

5,000 00 

800 00 



,064 00 $44,200 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross) , 
Gross assets, 



$66,100 00 

621,723 52 

13,678 86 

1,120,348 47 

44,200 00 

13,521 83 

133,789 16 

4,929 00 

144,273 62 



1,162,564 46 



26(5 



NEW HAMPSHIRE FIRE INSURANCE CO. v 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$68,569 61 

52,480 00 

2,500 00 

775,510 47 
28,854 72 



— $927,914 80 

• . $1,234,649 66 
800,000 00 



$434,649 66 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



Entire premiums collected $1,194,401 51 

Less re-insurance and return premiums, . . 201,478 25 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Received for increased capital, . . . $100,000 00 



$110,866 17 
1,227,808 96 



$1,338,675 13 
144,273 62 



Gross cash income, 



$992,923 26 
32,357 27 
63,584 74 

. $1,088,865 27 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



£637,470 08 
56,000 00 
203,887 98 
46,650 72 
27,363 12 
55,041 26 



$1,026,413 16 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

108 

104,244,300 00 1,227,808 96 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, . 



Premiums. 

§108,435,072 00 $1,443,222 11 



$212,679,372 00 $2,670,031 07 
96,620,772 00 1,138,064 27 



$116,058,600 00 $1,531,966 80 
4,600,137 00 55,989 35 



§111,458,463 00 #1,475,977 45 



NEW YORK FIRE INSURANCE CO. 



267 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Company's stock owned by directors, .... 



$10,330,901 00 

5,474,282 00 

637,602 0O 

700,000 00 

56,000 00 

253,000 00 



"NEW YORK FIRE INSURANCE COMPANY," NEW YORK. 

[Incorporated April 18, 1832. Commenced business Dec. 22, 1832.] 

Paid-up Capital, $200,000. 

AUGUSTUS COLSON, President. CHARLES A. HULL, Secretary. 

Office, No. 72 Wall Street, New York. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

§50,000 00 
30,000 00 
15,000 00 
10,000 00 
10,000 00 
5,000 00 



New York city stock, 
Brooklyn city bonds, 
District of Columbia bonds, 
Iowa Central Railroad bonds, . 
Northern Pacific Railroad bonds, 
Brooklyn City Railroad stock, . 



Market Value. 

$50,000 00 

30,000 00 

15,300 00 

8,650 00 

9,700 00 

8,200 00 



$120,000 00 $121,850 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $100,000 00 

Loans on mortgage of real estate (first liens*), 12,325 00 

Interest due or accrued thereon, . . . 383 62 

Stocks and bonds, as per schedule, . . . 121,850 00 

Cash deposited in bank, 8,559 98 

Interest due and accrued, 1,451 41 

Premiums in course of collection (gross), . 13,695 79 

Rents due and accrued, 254 17 

Gross assets, ...... 

Liabilities. 

Losses adjusted, unpaid, $12 45 

Losses claimed and reported, .... 645 00 

Unearned premiums on outstanding risks, . 37,978 02 



$258,519 97 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$16,000 00 
20,000 00 
17,900 00 



268 



NEW YORK FIRE INSURANCE CO. 



Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 



Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



$212 32 
1,633 98 



$10,998 87 
95,009 22 

$106,608 09 
13,695 79 

|! » 2,912 30 
17,566 59 



sources, . 



$46,264 81 
3,403 64 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$5,253,353 00 
9,888,325 00 



.fli 3.141,678 00 
. 6,971,485 00 

. f8, 170,193 00 
254,537 00 



$40,481 77 

$218,038 20 
200,000 00 

$18,038 20 



.315 71 
1,«»40 80 
3,969 98 
5,043 90 

|86,400 39 



842,861 17 
70 68 

11,186 68 
3,912 87 

;7 35 

$69,278 75 

Premiums. 

$50,805 24 
95,601 22 

$146,406 46 
68,091 08 



.315 38 
2.357 34 



. $7,915,656 00 ".958 04 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



^5,116,411 00 
2,347,159 00 

42,989 00 
1,424,000 00 

66,400 00 



NIAGARA FIRE INSURANCE CO. 



269 



" NIAGARA FIRE INSURANCE COMPANY,'" NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 

Paid-up Capital,, $500,000. 

THOMAS F. GOODRICH, President. GEORGE C. HOWE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

United States bonds, |95,000 00 $107,375 00 

Jersey City bonds, . . . . . . . 10,000 00 11,200 00 

Albany & Susquehanna Railway bonds, . . 15,000 00 19 350 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 25,000 00 29.000 00 

Fremont, Elkhorn & Missouri Val.R.R. bonds, 25,000 00 31,250 00 

James River Railway bonds, .... 25,000 00 18,750 00 

New York Elevated Railway bonds, . . 20,000 00 22,700 00 

Lake Erie & Western Railway bonds, . . 20XM0 00 22,600 00 

Morris & Essex Railway bonds, . . . 21,000 00 29,085 00 

Chateaugay Ore and Iron Company bonds, . 25,000 00 22,500 00 

St. Paul, Minn., Gas Light Company bonds, . 15,000 00 15,750 00 

Town of Lake, 111., Gas Company bonds, . 20,000 00 20,400 00 

Kansas City water bonds, .... 10,00000 10,20000 

Seattle, Lake Shore & Eastern R.R. bonds, . 9,000 00 4,500 00 

Equit. Gas Light Company of Chicago bonds, 25,000 00 25,000 00 

Underw'rs Pro. Asso. of Newark, N. J., bonds, 1,000 00 1,000 00 

Toledo, Ann Arbor & Nor. Mich. R'y bonds, . 10,0o0 00 7,500 00 

200 shares Delaware and Hudson Canal Co., 20,000 00 26,000 00 

50 " Western National Bank, . . 5,000 00 5,450 00 

450 " American Exchange Nat'l Bank, . 45,000 00 67,500 00 

1,000 " Long Island Railway, . . . 50,000 00 50,000 00 

100 " Consolidated Gas Company, . 10,000 00 12,500 00 

New Y r ork city bonds, 260,000 00 260,000 00 

Chicago & Northwestern Railroad, . . . 20,000 00 19,700 00 

Underwriters' Salvage Corporation of N. Y., . 1,000 00 1,000 00 



$782,000 00 $840,310 00 



Securities held as collateral for cash loans : — 

Indiana N'l Ilium. Gas Company bonds, . 
12^ shares Indiana N'l Ilium. Gas Company, . 
Elizabeth, N. J., city bonds, .... 



Market Value. Loaned Thereon. 

e4,ooo oo ; 

812 50 : 
1,500 00 750 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . §883,000 00 
Loans on mortgage of real estate (first liens*), 27,400 00 



$2,500 00 



5,312 50 $3,250 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$29,800 00 
44,000 00 
44,000 00 



270 



NIAGARA FIRE INSURANCE CO. 



Interest due or accrued thereon, . 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Re-insurance, etc., ..... 

Gross assets, 

Deduct special deposits in other States, . 



$711 25 
840,310 00 

3,250 00 

35,387 52 

144,576 92 

5,445 84 
262,756 12 

6,519 83 

4,835 69 



$2,214,193 17 
56,000 00 



Balance £2,158,193 17 



Liabilities. 

Amount of unpaidlosses, $258,724 31 

Unearned premiums on outstanding risks, . 1,106,657 74 

Dividends to stockholders unpaid, . . . 378 50 

Commissions and brokerage, .... 43,729 77 

Re-insurance, 1,284 30 

Gross liabilities, except capital, . . §1,410,774 62 

Deduct liability on special deposits, . . 35,891 50 



Surplus as regards policy-holders, . 
Paid-up capital, . . . . 



1,374,883 12 

$783,310 05 
500,000 00 



Surplus over capital, $283,310 05 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written oi\renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 



$232,997 61 

2,062,548 66 

$2,295,546 27 
255,147 58 

$2,040,398 69 
432,407 80 

$8,576 67 
72,381 45 

$80,958 12 
7,608 54 

?73,349 58 
22,783 53 



$1,607,990 89 



50,566 05 



NIAGARA FIRE INSURANCE CO. 



271 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, $1,219.949 97 

Deduct salvage and re-insurance, . . . 123,960 69 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . $37,470 27 
Deduct salvage and re-insurance, . . . 8,682 07 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$1,432 50 
30,168 52 
26,471 10 



. $1,722,624 06 



$1,095,989 28 



28,788 20 

49,960 00 

314,5i)2 83 

121,419 17 

54,814 43 

116.942 s* 

$1,782,416 79 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$339,634,069 00 $3,053,303 64 

188,781,728 00 2, 62,548 66 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$528,415,797 00 $5,115,852 30 
3< '4. 198,350 00 2,873,366 27 



$224,217,447 00 S2.242.4s6 (-3 
15,427,011 00 166,744 75 



$208,790,436 00 $2,075,741 28 



51,808,468 00 
2,517,443 00 



147,870 82 

72.3s 1 45 



$4,325,911 00 
2,226, 18S 00 



$120,252 2T 
56,681 88 



1,099,723 00 
571,894 00 



J63,H20 39 
1*,298 40 



$1,527,829 00 $45,821 99 



MlSCELL AN EOUS . 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$33,747,353 00 

18,480,X63 (io 

1,104 286 00 

88,702 00 

2,2S4.0O<) nil 

50,000 00 

110,500 00 



272 NORTHWESTERN NATIONAL INS. CO. OF MILWAUKEE. 



"NORTHWESTERN NATIONAL INSURANCE COMPANY OF 
MILWAUKEE, WISCONSIN/ 1 MILWAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 



ALFRED JAMES, President. 



Paid-up Capital, $600,000. 



J. P. McGREGOR, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, 8200,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 200,000 00 

Milwaukee, L. S. & Western R.R. bonds, . 50,000 00 

Milwaukee & Northern R.R. bonds, . . 50,000 00 

Chicago & Northwestern R.R. bonds, . . 50,000 00 

Milwaukee county bonds, . . . .. 60,000 00 

Milwaukee city bonds, 104,000 00 

Waukesha sewerage bonds, .... 30,000 00 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest accrued, 

Premiums in course of collection (gross), 

Deposit in Wisconsin M. & F. Ins. Co. bank 

(suspendedf), . . . $91,715 70 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$744,000 00 

31, 1893. 

$634,644 02 

5,836 26 

846,000 00 

2,302 81 

78,743 82 

2,766 67 

63,685 87 



Surplus over capital, . 



Market Value. 

,000 00 
245,000 00 
62,500 00 
56,500 00 
60,000 00 
60,000 00 
104,500 00 
31,500 00 



$846,000 00 



$1,633,979 45- 



|22,695 10 

50,856 00 
1,750 00 

$75,301 10 
•4,012 60 

§71,288 50 

632,609 61 

16,071 52 

3,825 57 



723,795 20 

$910,184 25 

600,000 00 

$310,184 25 



* Value of lands mortgaged, 

Value of buildings thereon, 

Amount of insurance held as collateral, 
t Reported as having since resumed. 



$1,335,600 00 
928,500 00 
551,550 00 



NORTHWESTERN NATIONAL INS. CO. OF MILWAUKEE. 273 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total $818,620 86 

Premiums now in course of collection, . . 63,685 87 

Entire premiums collected, .... $754,934 99 

Less re-insurance and return premiums, . . 122,963 23 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$81,363 25 
38 76 



$81,324 49 
737,296 37 



$631,971 76 

32,063 18 

41,382 73 

$705,417 67 



$374,419 35 
15,378 46 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... $359,040 89 

Cash dividends paid, 30,000 00 

Cash paid for commissions and brokerage, .... 124,394 70 

for salaries of officers and employees, . . . . 67,932 69 

for State and local taxes, 17,440 76 

for incidentals, 55,706 92 

Gross cash expenditures, $654,515 96 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $107,053,809 00 $1,222,169 68 



Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



61,356,225 00 737,296 37 



$168,410,034 00 $1,959,466 05 
58,120,605 00 689,382 17 



$110,289,429 00 $1,270,083 88 
2,982,296 00 40,179 65 



$107,307,133 00 $1,229,904 23 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), . 
Company^ stock owned by directors, . . . . 



$10,756,258 00 

5,710,855 00 

376,243 00 

1,071,000 00 

30,000 00 

283,500 00 



274 



ORIENT INSURANCE CO. 



"ORIENT INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 

Paid-up Capital, $500,000. 

CHARLES B. WHITING, President. JAMES U. TAINTOR, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

504 shares American Nat'l Bank, Hartford, . »,200 00 136,288 00 

122 " JEtna National Bank, Hartford, . 12,200 00 17,690 00 

130 " Charter Oak Nafl B'k, Hartford, 13,000 00 14,300 00 

100 " Farm, and Mech. N'l B'k, Hart, . 10,000 00 11,300 00 

153 " Mercantile Nat'l Bank, Hartford, 15,200 00 1-3,200 00 

74 " Phoenix National Bank, Hartford, 7,400 00 9,69100 
186 " Exchange Nat'l Bank, Hartford, . 9,300 00 13,485 00 
113 " City National Bank, Hartford, . 11,300 00 12,430 00 

71 " First National Bank, Hartford, . 7,100 00 7,952 00 

1,000 M Hartford Nat'l Bank, Hartford, . 100,000 00 160,000 00 

100 " Conn. Tr'st& Safe Dep Co., Hart., 10,000 <>»> 16,500 00 

200 " Thames National Bank, Norwich, 20,000 00 29,200 00 

80 " First National Bank, Norwich, . 8,000 00 8,400 00 

6 " Rockville Nat'l Bank, Rockville, . 600 00 690 00 

75 " Metropolitan Nat'l Bank, N. Y., . 7.500 00 450 00 
302 " Mechanics 1 National Bank, N. Y., 7.550 00 15,100 00 

50 " Holland Trust Company, N. Y., . 5,000 00 8,000 00 

25 " N'l Ger. Am. B'k, St. Paul, Minn., 2,500 00 3,0< I 

643 " N. Y., N. II. & Hartford Railroad, 64,300 00 123,456 00 

204 " Pennsylvania Railroad, . . 10,200 00 10,200 00 

210 " N. Y. C. & H R: Railroad, . . 21,000 00 20,685 00 

50 " Union Pacific Railroad, . . 5.000 00 i 00 

100 " Central Pacific Railroad, . . 10,000 00 1,600 00 

400 " Cleveland & Pittsburgh Railroad, 20,000 00 30,600 00 

220 " C , B. & Quincy Railroad, . . 22,000 00 16,720 00 

100 " Illinois Central Railroad, . . 10,000 00 9,100 00 

100 " Chic, Rock Island & Pac. R.R., . 10,000 00 6,400 00 

200 " Northwestern Telegraph Co., . 10,000 00 10,500 00 

Georgia State bonds, 25,000 00 28,000 00 

County of Coffey, Kansas, bonds, . . . 10.000 00 11,200 00 

County of Lyon, Iowa, bonds, . . . . 1,000 00 900 00 

County of Dickinson, Kansas, bonds, . . 10,000 00 11,000 00 

County of Finney, Kansas, bonds, . . . 10,000 00 11,000 00 

County of Kidder, Dakota, bonds, . . . 5,000 00 5,6')0 00 

County of Wichita, Kansas, bonds, . . . 4,000 00 4,240 00 

City of Indianapolis, Ind., bonds, . . . 20,000 00 22,000 00 

City of Evansville, Ind., bonds, . . . 20,000 00 20,000 00 

City of New Brunswick, N. J., bonds, . . 10,000 00 10,500 00 

City of Council Bluffs, Iowa, bonds, . . 5,000 00 5,600 00 

City of Richmond, Va., bonds, . . . . 24,000 00 31,200 00 

City of Norfolk, Va., bonds, .... 20,000 00 21,000 00 



ORIENT INSURANCE CO. 



275 



City of Sioux Falls, Dakota, bonds, 
City of Wichita Falls, Texas, bonds, 
City of Fort Worth, Texas, bonds, . 
Town of Thomaston, Conn., bonds, 
Town of Pawtucket, R. I., bonds, . 
Medicine Lodge Township, Kansas, bonds, 
Bethany Township, Kansas, bonds, . 
Buckeye Township, Kansas, bonds, 
Oswego Township, Kansas, bonds, . 
Precinct of Stanton, Nebraska, bonds, 
Precinct of Beaver, Nebraska, bonds, 
Vermont Valley Railroad Company bonds, 
Pittsburgh, Cleveland & Toledo R.R. bonds, 
Kansas Pacific Railroad bonds, 
C, C, Cincinnati & Indianapolis R. R. bonds, 
Morris & Essex Railroad bonds, 
Chicago, Mil. & St. Paul Railroad bonds, 
Dayton & Michigan Railroad bonds, 
Terre Haute & Logansport Railroad bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Ohio & West Virginia Railroad bonds, . 
Columbus & Toledo Railroad bonds, 
Cincinnati, Van Wert & Michigan R R. bonds 
East Tenn., Virginia & Georgia R.R. bonds, 
Oxford & Clarksville Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds, 
Louisville, Cincinnati & Lexington R.R. bonds, 
Clarksville & North Carolina R.R. bonds, 
Indiana & Lake Michigan Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
N. Y., New Haven & Hartford R.R. bonds, 
Norfolk & Western Railroad bonds, 
New York & New England Railroad bonds, 
Valley Railroad bonds, .... 
Baltimore Belt Railroad bonds, 
Cincinnati, Dayton & Ironton R.R. bonds, 
Kanawha & Michigan Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Atlantic Dock Company bonds, 
Mason and Tazewell District, 111., bonds, 
Rutland and Grafton District, 111., bonds, 
First Baptist Church, Nashville, Tenn., bonds, 
School District, No. 4, Salamanca, N. Y., bonds, 
Kansas school bonds, 
Nebraska school bonds, . 
Dakota school bonds, 
Minnesota school bonds, . 
Wyoming Territory school bonds, , 



Par Value. 

$13,000 00 

10,000 00 

10,000 00 

15,000 00 

25,000 00 

5,000 00 

4,000 00 

1,155 00 

5,000 00 

8,000 00 

5,000 00 

25,000 00 

10,000 00 

10,000 00 

35,000 00 

10,000 00 

20,000 00 

25,000 00 

10,000 00 

1,500 00 

3,000 00 

13,000 00 

10,000 00 

15,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

5,100 00 

25,700 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

9,000 00 

25,000 00 

3,000 00 

9,000 00 

2,000 00 

24,097 00 

16,576 11 

12,000 00 

8,500 00 

3,000 00 



Market Value. 

fl4,430 00 

10,500 00 

10,200 00 

15,750 00 

27,000 00 

5,500 00 

4,400 00 

1,328 25 

5,000 00 

8,720 00 

5,450 00 

28,250 00 

11,600 00 

9,200 00 

43,325 00 

14,000 00 

25,400 00 

26,875 00 

11,000 00 

1,545 00 

3,390 00 

14,820 00 

9,000 00 

13,800 00 

9,000 00 

9,000 00 

10,500 00 

9,000 00 

20,400 00 

9,800 00 

5,643 00 

24,672 00 

9,000 00 

10,300 00 

18,000 00 

20,400 00 

9,800 00 

7,600 00 

10,000 00 

9,720 00 

27,500 00 

3,030 00 

9,720 00 

2,140 00 

25,901 85 

18,153 72 

13,580 00 

9,010 00 

3,420 00 



276 



ORIENT INSURANCE CO. 



Colorado school bonds, . 

Texas school bonds, 

Washington school bonds, 
Southwestern Irrigation Company bonds, 
Arizona Improvement Company bonds, . 



Securities held as collateral for cash loans : — 

« 

25 shares National Fire Ins. Co., Hartford, 

4 ' 

2 
15 

5 

3 ' 
35 ' 
24 ' 



JEtna Fire Insurance Co., Hartford, 
iEtna Fire Insurance Co., Hartford, 
American National Bank, Hartford, 
Charter Oak Nat'l Bank, Hartford . 
First National Bank, Hartford, 
Conn. General Life Ins. Co., Hart., . 
Adams Express Company, 



Par Value. 


Market Value. 


?8,000 00 


18,500 00 


15,000 00 


15,000 00 


10,000 00 


10,300 00 


5,000 00 


5,100 00 


5,000 00 


5,100 00 


1,262,978 11 


81,402,513 82 


Market Value. 


Loaned Thereon. 


13,275 00 


$600 00 


1,000 00 


7<j<j 00 


500 00 1 




975 00 


1,880 00 


525 00 




300 00 J 




4,725 00 


3,000 00 


3,480 00 


1,350 00 


$14,780 00 


67,530 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 
Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Due for borrowed money, 

Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



31, 1892. 

§36,553 13 

213,639 30 

9,545 64 

1,462,513 82 

7,530 00 

20,230 42 

69,082 05 

18,132 21 

254,047 86 

419 65 



$2,091,694 08 
130,200 00 

$1,961,494 08 



$254,827 14 

19,094 94 

907,828 81 

45,000 00 

42,247 36 

1,268,998 25 
47,746 80 



1,221,251 45 



$740,242 63 
500,000 00 

§240,242 63 



* Total value of property mortgaged, 
Amount of insurance held aa collateral, 



$6S0,615 00 
94,780 00 



ORIENT INSURANCE CO. 



277 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Gross cash income, .... 

Expenditures 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 



Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees,. . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



$309,314 57 
3,873 73 



$305,440 84 
1,730,620 87 


$2,036,061 
246,596 


71 

16 


$1,789,465 55 
474,798 78 


$7,349 
112,252 


56 
67 


$119,602 23 
7,451 70 


$112,150 
8,861 


53 

07 



$1,314,666 77 



sources, 



103,289 46 

13,837 42 

80,870 86 

643 36 

,513,307 87 



$1,124,721 67 
102,829 34 



. $1,021,892 33 



$84,308 31 
5,879 69 



78,428 62 

262,009 74 

117,509 46 

31,867 30 

68,826 50 

$1,580,533 95 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

5141,355,322 00 $1,764,804 8Q 
143,466,209 00 1,730,620 87 



$284,821,531 00 $3,495,425 73 
141,726,595 00 1,736,980 48 



$143,094,936 00 $1,758,445 25 
4,045,578 00 33,277 26 



$139,049,358 00 $1,725,167 99 



278 



PACIFIC FIRE INSURANCE CO. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 



-,114 
8,939,709 



00 8,258 14 

00 112,252 07 



$9,704,823 
8,199,312 



00 1140,51 

00 92,923 22 



$1,505,511 00 7 59 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . 



$12,798,147 00 

7,967,351 00 
1,091,712 00 

83,526 00 

.,000 00 

56,100 00 



"PACIFIC FIRE INSURANCE COMPANY,' 1 NEW YORK, N. Y. 

[Incorporated April 26, 1851. Commenced business April 26, 1851.] 

Paid-up Capital, $200,000. 

FRANK T. STINSON, President. GEORGE JEREMIAH, Secretary. 



Detailed Statement vh Stocks and Bonds. 

Par Value. 

United States bonds, $138,000 00 

New York c,ity bonds, 247,000 00 

Broadway & Seventh Avenue Railroad bonds, 10,000 00 

New York Central & Hudson River R.R. stock, 21,000 00 

Rome, Watertown & Ogdensburg R.R. stock, . 15,000 00 



Market Value. 

$154,580 00 

247,000 00 

10,500 00 

20,632 50 

16,350 00 



$431,000 00 §449,062 50 



Market Value. 

12,52 



Securities held as collateral for cash loans : — 

Syracuse, Binghainton & N. Y. R.R. bonds, . 

Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate (first liens*), 198,900 00 



Loaned Thereon. 

$1,500 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Re-insurance, 

Premiums more than 3 months due, $3,230 17 
Gross assets, 



1,70175 

449,062 50 

1,500 00 

6,151 03 

18,810 02 

3,737 43 

55,564 23 

807 03 



.233 99 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$163,400 00 
257,600 00 
-. J00 00 



PACIFIC FIRE INSURANCE CO. 



279 



Liabilities. 

Losses adjusted, unpaid, $24,002 42 

claimed and reported, .... 33,839 24 

disputed or resisted, .... 1,500 00 

Total amount of losses, $59,341 66 

Less re-insurance, 3,969 47 

Net amount of unpaid losses, .... $55,372 19 

Unearned premiums on outstanding risks, . 260,627 00 

Due and accrued for rent, salaries, etc., . . 383 33 

Commissions and brokerage, .... 13,809 83 

Return premiums, 4,000 00 

Re-insurance, 4,029 27 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 

Paid-up capital, 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $58,719 82 
Same not collected, ...... 880 78 

Net collected, . . . . . . $ 57,839 04 

Premiums on risks written or renewed, . . 478,005 87 

Total, $535,844 91 

Premiums now in course of collection, . . 58,794 40 

Entire premiums collected, .... $477,050 51 
Less re-insurance and return premiums, . . 97,981 31 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$338,221 62 

$398,012 37 
200,000 00 

$198,012 37 



$379,069 20 

9,684 00 

15,933 30 

$404,686 50 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$281,504 99 
29,937 55 



$251,567 44 
20,000 00 
81,064 08 
26,368 04 
7,572 09 
24,403 73 

$410,975 38 



280 



PENNSYLVANIA FIRE INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. $55,890,315 00 
. 49,833,385 00 



Premiums. 

r503,543 67 
-.005 87 



$105,723,700 00 $981,549 54 
. 44,979,373 438,930 35 



.$60,744,327 00 £542,619 19 
. 4,526,096 00 41,499 67 



.$56,218,231 00 $501,119 52 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



86,771,916 00 

3,531,699 00 

266,026 00 

1,358,000 00 

20,000 00 

29,950 00 



"PENNSYLVANIA FIRE INSURANCE COMPANY." 
PHILADELPHIA, PA. 

[Incorporated March, 1825. Commenced business April, 1825.] 
Paid-up Capital, $400,000. 
R. DALE BENSOX, President. W. GARDNER CROWELL, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

$45,000 00 $50,850 00 

40,000 00 43,920 00 

115,000 00 117,000 00 

75,000 00 84,750 00 

99,000 00 113,420 00 

60,000 00 61,800 00 

50,000 00 53,000 00 

93,500 00 82,235 00 

40,000 00 40,000 00 

25,000 00 25.875 00 

100,000 00 102,000 00 

133,000 00 146,140 00 

25,000 00 29,250 00 

10,000 00 11,500 00 

124,000 00 130,290 00 

88,000 00 100,100 00 

32,000 00 16,000 00 

20,000 00 20,400 00 

13,000 00 13,000 00 

50,000 00 50,000 00 

25,000 00 26,250 00 



United States bonds, 

Philadelphia city bonds, .... 
Phila., Wil. & Baltimore Railroad bonds, 
Philadelphia & Erie Railroad bonds, 
Pennsylvania Railroad bonds, . 
United Companies of New Jersey bonds, 
Easton & Amboy Railroad bonds, . 
Philadelphia & Reading Railroad bonds, . 
Philadelphia & Reading Car Trust bonds, 
Philadelphia & Reading Railroad bonds, 
Phila. & Reading R.R. Terminal Co. bonds, 
Lehigh Valley Railroad bonds, 
Elmira & Williamsport Railroad bonds, . 
West Jersey Railroad bonds, . 
Penn. & New York Canal and R.R. Co. bonds, 
Chicago & Western Indiana Railroad bonds, . 
The Jacksonville, Louisville & St. L. R.R. bonds, 
Sharaokin, Sunbury & Lewisburg R.R. bonds, 
Corning, Cowanesque & Antrim R.R. bonds, . 
Terre Haute & Logansport Railroad bonds, . 
New York & Long Branch Railroad bonds, 



PENNSYLVANIA FIRE INSURANCE CO. 



281 



Northern Pacific Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
Lehigh Valley Coal Company bonds, 
Pittsburgh, McKeesport & Yough. R.R bonds 
Pitts , Youngstown & Ashtabula R.R. bonds, 
Cleve., Col., Cin. & Indianapolis R.R. bonds, 
Grand Rapids & Indiana Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
Knoxville Water Company bonds, . 
American Steamship Company of Phila bonds 
Lehigh Coal & Navigation Company bonds, 
Chesapeake & Delaware Canal Co. bonds, 
Delaware Division Canal Company bonds, 
Car Trust of New York bonds, 
Huntingdon & Broad Top Car Trust bonds, 
Huntington County, Ind., bonds, 
Harrisburg city bonds, 
St. Louis city bonds, 
Cincinnati city bonds, 
City of Springfield, 111., bonds, 
City of Topeka, Kan., bonds, . 
Kansas City, Kan., bonds, 
Newark city bonds, . 
Wabash Railroad Company bonds, 
Pittsburg Junction Terminal Company bonds 
Newburgh & New York Railroad bonds, 
Northern Central Railroad Company bonds, 
Baltimore & Ohio Equipment Asso. bonds, 
Baltimore & Ohio Railroad bonds, 
Baltimore Belt Railroad bonds, 
West Knoxville General Imp. Company bonds 
Atlantic City Railroad bonds, . 
Camden Horse Railroad bonds, 
St. Paul (Minn.) city bonds, 
Columbus (Ohio) Water Works, 
Bellefonte Central Railroad Company, . 
Evansville & Terre Haute Railroad, 
School Dist. of Borough of Sewickley (Pa.), 
200 shares Philadelphia National Bank, . 
Allegheny Valley Railroad, 
440 shares Bellefonte Central Railroad, . 
10 shares Philadelphia Bourse, 



Par Value. 

$40,000 00 
30,000 00 
25,000 00 
20,000 00 
25,000 00 
30,000 00 
21,000 00 
23,000 00 
15,000 00 
15,000 00 
20,000 00 
10,000 00 
25,000 00 
12,000 00 
40,000 00 
15,000 00 
10,000 00 
25,000 00 
53,000 00 
45,000 00 
38,792 00 
18,000 00 
10,000 00 
20,000 00 
25,000 00 
15,000 00 
29,000 00 
20,000 00 
50,000 00 
50,000 00 
20,000 00 
30,000 00 
25,000 00 
20,000 00 
14,000 00 
2,500 00 
25,000 00 
24,000 00 
20,000 00 
10,000 00 
22,000 00 
500 00 



Market Value. 

$44,000 00 
33,900 00 
25,000 00 
24,000 00 
25,000 00 
34,500 00 
10,500 00 
25,300 00 
15,000 00 
15,300 00 
21,200 00 

5,000 00 
25,000 00 
12,000 00 
40,000 00 
15,000 00 
10,500 00 
29,500 00 
62,750 00 
46,450 00 
38,792 00 
18,000 00 
10,300 00 
15,000 00 
25,000 00 
15,750 00 
33,640 00 
20,000 00 
55,000 00 
50,000 00 
21,000 00 
30,000 00 
25,000 00 
20,000 00 
14,420 00 

2,500 00 
25,000 00 
25,080 00 
36,000 00 
10,800 00 

8,800 00 
500 00 



$2,250,292 00 $2,338,262 00 



Securities held as collateral for cash loans : — 

20 shares German-American Insurance Co., . 
95 shares Calumet Ilecla Mining Co., 



Market Value. 

$6,300 00 
27,000 00 



Loaned Thereon. 

$3,500 00 
10,000 00 



282 



PENNSYLVANIA FIRE INSURANCE CO. 



Market Value. 



15 shares Manayunk National Bank, . 

4 " Bank of North America, 
884 " Delaware & Bound Brook R.R., 
875 " Pennsylvania Hail road, 

2,250 " Lehigh Valley Railroad, 

75 " North Pennsylvania Railroad, 
31 " Phil., Germant'n & Norrist'n R R. 
40 " Manayunk National Bank, . 

25 " Northwestern National Bank, 
30 " Ninth National Bank, . 

7 " Moorestown National Bank, 

5 " Burl. Co. Safe Dep. & Trust Co. 
5 " Fire Ins. Co. of Count}' of Phil., 
9 " Penn. Co. for Ins. on Lives, etc., 
5 " Pennsylvania Fire Ins. Co. stock, 
4 " United Companies of New Jersey, 

65 " Insurance Co. of North America, 

26 " Germania Insurance Company, . 
210 " Metropolitan Traction Company, 

15 " Philadelpia Traction Company, 
100 " Delaware & Bound Brook R.R., 
221 " North Pennsylvania Railroad, 
500 " Union Insurance Company, . 
25 " Western National Bank, 
50 " New England Loan and Trust Co. 
100 " Keystone Watch Company, 

Pulaski Iron Company, .... 

200 shares Northern Pacific R.R. stock, . 

250 " Hestonville Passenger Railway, 

100 " Lehigh Valley Railroad stock, 

10 " Market Street National Bank, 

Philadelphia & Reading Railroad, . 

City of Atchison bonds, .... 

Philadelphia & Reading Railroad, . 

105 shares Lehigh Coal & Navigation Co., 
10 shares Commonw'th Title Ins. & Trust Co 

Pittsburgh, Cincinnati & St. Louis R.R., . 

40 shares Pennsylvania Railroad, . 

60 shares North Pennsylvania Railroad, . 

Boston United Gas bonds, 

Philadelphia & Reading Railroad, . 

Lehigh Valley Coal Company, 



Loaned Thereon. 

$2,000 00 

500 00 

108,000 00 

35,000 00 

50,000 00 

6,500 00 
9,000 00 



} 5,300 00 

i 
i 

J 

}> 5,000 00 
i 

i 

J 

{ 17,500 00 

{ 31,000 00 

1 

i 

j> 15,000 00 



D ' /uu uu > 16.000 00 
1,240 00 

1,270 00 

1,500 00, 

2,265 00 1,000 00 

5,460 00 n 
700 00 i 5,000 00 

1,150 00 ) 

1,920 00^ 

4,800 00 i 21,000 00 
19,000 00 ) 

4,540 00 3,000 00 

00,000 00 100,000 00 

176,644 00 §444,300 00 



Summary of Assets Dec. 31, 1893. 
Cash value of unencumbered real estate, . $134,500 00 
Loans on mortgage of real estate (first liens*), 610,070 00 



* Total value of property mortgaged $1,S61,600 00 

Amount of insurance held as collateral 545,450 00 



PENNSYLVANIA FIRE INSURANCE CO. 



283 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the conxpany, . 
Cash deposited in bank, .... 
Interest due aud accrued, .... 
Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, 

Deduct special deposits in other States, . 

Balance, . . 



$11,260 63 

2,338,262 00 

444,300 00 

1,707 28 

120,694 78 

2,554 31 

215,067 70 

641 66 



$3,879,058 36 
50,400 00 

$3,828,658 36 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$112,437 66 

91,581 35 

7,250 58 

1,228,234 33 

725,379 71 

24,000 00 

$2,188,883 63 
34,971 00 



2,153,912 63 

f 1,674,745 73 

400,000 00 

$1,274,745 73 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all oilier sources . 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



$227,466 26 
1,983,475 71 

$2,210,941 97 
215,067 70 

$1,995,874 27 
403,748 48 

$1,592,125 79 

28,410 24 



sources, . 

$54,024 71 



144,132 87 
2,092 17 

.,766,761 07 



Cash paid for fire losses, 
Cash dividends paid, 



Expenditures. 



. $1,060,439 73 
60,000 00 



284 



PIIENIX INSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 



$20,001 89 



Gross cash expenditures, 



$42o,292 32 
51,300 00 

31,573 97 
43,0.06 49 



81,072,102 51 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$196,645,413 00 12,310,038 27 

179,930,933 00 1,983,475 71 



$376,576,346 00 $4,293,513 98 
151,039,163 00 1,813,329 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insurecl, 

Net amount in force, . . . $214,289,130 00 $2,360,473 62 

Perpetual risks in force (not included above), 31,771,823 00 791,491 65 



$225,537,183 00 $2,480,184 50 
11,248,053 00 119,710 88 



Miscellaneous 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent..), 
Company's stock owned by directors, .... 



$24,412,023 00 

14,229,728 00 

00 

2,649,000 00 

60,000 00 

55,300 00 



"PHENIX INSURANCE COMPANY,' 1 BROOKLYN, N. Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.1 
Paid-up Capital, $1,000,000. 
GEORGE P. SHELDON, President. CHARLES C. LITTLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds 8515,000 00 $589,875 00 

New Y r ork city stock 762,000 00 807,720 00 

Nassau Gas Light Co., Brooklyn, certificates, . 17,000 00 17.255 00 

People's Gas Light Co., Brooklyn, bonds, . 10,0C0 00 10,100 00 

Ohio Southern Railroad bonds, . . . 15,000 00 15,750 00 

New Y r ork Elevated Railroad bonds, . . 50,000 00 57,500 00 

Broadway & Seventh Avenue Railroad bonds, 15,000 00 15,750 00 

N.l"., B'klyn & Manhattan Beach R R. bonds, 50,000 00 50,500 00 

Kings County Elevated Railway bonds, . . 50,000 00 47,500 00 

Toledo & Ohio Central Railroad bonds, . . 25,000 00 27.500 00 

Chesapeake & Ohio Railway bonds, . . 25.000 00 25,750 00 

Michigan Central Railroad bonds, . . . 25,000 00 ,000 00 

Atchison, Topeka & Santa Fe Railroad notes, . 50,000 00 50.000 00 



PHENIX INSURANCE CO. 



2b5 



Louisville, St. Louis & Texas Railway bonds, 
Louisville & Nashville Railroad bonds, . 
Norfolk & Western Railroad bonds, 
Calvary Cem., Greenp't & B'klyn R.R. bonds, 
Northern Pacific Terminal bonds, . 
Metro. West Side Elevated Ry. of Chic, bonds, 
Missoula County, M. T , bonds, . . » . 
United States Illuminating Company bonds, . 
Lake Gas Company of Chicago bonds, . 
Lehigh & Wilkesbarre Coal Company bonds, 
New York, New Haven & Hartford R.R., 
United States Leather Company, 
Board of Trade, Chicago, certificate, 

50 shares Dry D , ck,E.B , dw , y& Battery R.R., 
1,125 " New York & Harlem Railroad, . 
1,500 " N. Y., New Haven & Hart. R.R.,. 
1,609 " Morris & Essex Railroad, . 
2,000 " Beech Creek Railroad, . 

500 " Delaware and Hudson Canal Co., 
2,000 " Pitts., McKees. & Yough'ny R.R., 
1,000 " American Sugar Refining Co., 
Ohio Southern R.R. Co., " Car Trusts," . 
200 shares American Ex. Natl Bank, N. Y., . 
100 " Natl Shoe and Leather B'k, N. Y., 
300 " St. Nicholas Bank, N. Y., . 
386 " Natl Bank of the Republic, N. Y., 
87 " Natl Bank of Commerce, N. Y., . 
200 " Fourth National Bank, N. Y., 
100 " Mercantile National Bank, N. Y., 
253 " National Park Bank, N. Y., . 
1,200 " Chatham National Bank, N. Y., . 

408 " Mechanics 1 B'k, Brooklyn, N. Y., 

409 " Natl City Bank, Brooklyn, N. Y., 
135 " Natl Bank of Illinois, Chicago, . 
715 " Williamsburgh Gas Light Co., . 
110 " Western Union Telegraph Co., . 
100 " Bond and Mortgage Guar. Co., . 

Underwriters 1 Protective Association, Newark, 
10 shares Underwriters' Salvage Co., N. Y., . 



Par Value. 

$5,000 00 
25,000 00 
25,000 00 
37,000 00 
25,000 00 
15,000 00 
12,000 00 
25,000 00 
50,000 00 
25,000 00 
95,000 00 

100,000 00 

2,700 00 

5,000 00 

56,250 00 

150,000 00 
80,450 00 

100,000 00 
50,000 00 

100,000 00 

100,000 00 
70,000 00 
20,000 00 
10,000 00 
30,000 00 
38,600 00 
8,700 00 
20,000 00 
10,000 00 
25,300 00 
30,000 00 
20,400 00 
20,450 00 
13,500 00 
35,750 00 
11,000 00 
10,000 00 
1,000 00 
1,000 00 



Market Value. 

83,250 00 

25,250 00 

23,750 00 

41,440 00 

25,250 00 

13,875 00 

13,200 00 

25,500 00 

51,000 00 

27,500 00 

76,000 00 

105,000 00 

2,700 00 

7,000 00 

146,250 00 

307,500 00 

125,502 00 

93,000 00 

67,500 00 

125,000 00 

90,000 00 

70,000 00 

30,000 00 

13,000 00 

18,000 00 

65,620 00 

16,965 00 

41,000 00 

23,000 00 

77,165 00 

118,500 00 

55,080 00 

89,980 00 

43,875 00 

53,625 00 

9,460 00 

11,000 00 

1,000 00 

1,000 00 



$3,068,100 00 $3,873,937 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $399,000 00 
Loans on mortgage of real estate (first liens*), 130,700 00 



* Value of lands mortgaged $97,400 00 

Value of buildings thereon, 185,000 00 

Amount of insurance held as collateral, .... 151,300 00 



286 



PHENIX INSURANCE CO. 



Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross) 

Rents due and accrued, 

Gross assets, . . . • 
Deduct special deposits in other States, 



Balance, 



$2,152 81 

3,873,937 00 

784 46 

495,971 76 

9,724 15 

1,430,383 46 

3,908 38 



£6,340,502 02 
200,375 00 



$0,140,187 02 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$245,401 90 

55,441 00 

4,622,037 94 

224 25 

135,243 29 

71,269 39 

1,412 06 



$5,131,029 83 

136,479 93 
4,994,549 90 



§1,151,637 12 
1,000,000 00 



Surplus over capital, $151,637 12 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, ..... 
Interest and dividends received from all other sources, . 
Income from rents, 



$1,242,516 53 

6,182,301 41 

$7,424,817 94 

1,430,383 46 

$5,994,434 A 

893,337 31 



$5,101,097 17 

'9 72 

156,263 31 

14.537 28 



Gross cash income, $5,280,497 48 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash dividends paid, 



?3,089,067 82 
98,255 24 



$2,990,812 58 
100,000 00 



PHCENIX LNSUKAXCE CO. 



2tf7 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Gross cash expenditures, .... 

Risks and Premiums. 



. $913,905 21 

304,837 14 

87,778 53 

411,421 70 

. $4,808,755 16 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



Premiums. 

$602,155,865 00 $7,811,471 92 
544,190,898 00 6,182,301 41 



,146,352,763 00 §13,993,773 33 
445,721,442 00 5,101,087 75 



$700,631,321 00 $8,892,685 58 
14,500,403 00 146,570 97 



$686,130,918 00 $8,746,114 61 



Miscellaneous. 
Premiums received from organization of compairy, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), . 
Company's stock owned by directors, .... 



$92,442,774 00 

47,411,407 00 

2,962,815 00 

3,374,000 00 

100,000 00 

178,050 00 



"PHCENIX INSURANCE COMPANY; 1 HARTFORD, CONN. 

[Iucorporated May, 1854. Commenced business June, 1854.] 

Paid-up Capital, $2,000,000. 

D. W. C. SKILTON, President. GEO. H. BURDICK, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

300 shares ^Etna National Bank, Hartford, . $30,000 00 $39,000 00 

1,000 " American Nat'l Bank, Hartford, . 50,000 00 70,000 00 

50 " Atlantic Trust Co., New York, . 5,000 00 12,750 00 

125 " Central Trust Co., New York, . 12,500 00 131,250 00 

162 " Charter Oak N'l Bank, Hartford, 16,200 00 16,686 00 

160 " City Bank, Hartford, . . . 16,000 00 16,640 00 

100 " Conn. River Bank, Hartford, . 5,000 00 5,000 00 

300 " Farmers 1 & Mech. N'l B'k, Hart , 30,000 00 33,000 00 

175 " First National Bank,Wallingford, 17,500 00 19,250 00 

400 " Franklin Trust Co., New York, . 40,000 00 104,000 00 

1,030 " Hartford Xat'l Bank, Hartford, . 103,000 00 164,800 00 

400 " Hartford Trust Co., Hartford, . 40,000 00 54,000 00 



288 



PHCENIX INSURANCE CO. 



100 shares Home National Bank, Meriden, 
133 " Imperial Bank, Toronto, Ont., 
250 " Metropolitan Nat'l Bank, Cin., 
108 " Merchants' Ex. Nat'l B'k, X. V, 
800 " Mercantile Nat'l Bank, Hartford 
200 " Nat'l Shoe & Leather K% X. Y 
340 " National Exch. Bank, Hartford, 
125 " Nat'l German Am. B'k, St. Paul 
200 " New Britain N'l B'k, New Britain 
760 " Phoenix Nat'l Bank, Hartford, 
200 " State Bank, Hartford, . 
440 " Waterbury Nat'l B'k, Waterbury 
500 " Bald Eagle Valley Railroad, 
300 " Chicago & Alton Railroad, . 
500 " Cleveland & Pittsburgh Railroad 
500 " Fort Wayne & Jackson Railroad 
120 " Hartford & Conn. Western R.R., 

1,000 " Illinois Central Railroad, . 

1,000 " Morris & Essex Railroad, . 

1,500 " N. Y., N. H. & Hartford Railroad 
250 " New York & Harlem Railroad, 
500 " New York Cent. & Hud. Riv. R.R. 
500 " Peoria & Bureau Valley Railroad 
500 " Pittsburgh, McKeesport & Y.R.R. 
500 " Rensselaer & Saratoga Railroad 
500 " Sharon Railroad of Pennsylvania 

1,320 " Holyoke Water Power Co., . 

1,500 " North Western Telegraph Co., 
400 " West End Street R'y Co., Boston 

Georgia State bonds, .... 

Atlantic Dock Company bonds, 

Ashland, Oregon, water bonds, 

Brantford, Canada, city bonds, 

Guelph, Canada, city bonds, 

Victoria, Canada, bonds, .... 

Town of St. Henry, Canada, bonds, 

Province of New Brunswick bonds, 

Columbus, Ohio, improvement bonds, 

Fostoria, Ohio, water bonds, 

Leavenworth City & Ft. L'worth water bonds 

Hannibal, Mo., school bonds, . 

Council Bluffs, Iowa, improvement bonds, 

Northwestern Telegraph Company bonds, 

Naumkeag Street Railway Company bouds, 

Superior, Wis., improvement bonds, 

Urbana, Ohio, gas bonds, .... 

Canadian Pacific, Land Grant Railroad, . 

Cedar Rapids, Iowa Falls & N. W. Railway, 



Par Value. 

),ooo oo 

13,300 00 
11,260 00 

5,400 00 
80,000 00 
20,000 00 
17,000 00 
12,500 00 
20,000 00 
76,000 00 
20,000 00 
22,000 00 
25,000 00 
30,000 00 
25,000 00 
50,000 00 
12,000 00 

100,000 00 
50,000 00 

150,000 00 
12,500 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
25,000 00 

132,000 00 
75,000 00 
20,000 00 
25,000 00 
75,000 00 
50,000 00 
25,000 00 
24,000 00 
20,000 00 
75,000 00 
5,000 00 
19,000 00 
25,000 00 
25,000 00 
32,000 00 
3,500 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
44,000 00 
50,000 00 



Market Value. 

$12,000 00 

23,940 00 

500 00 

6,760 00 

72,000 00 
23,000 00 
20,400 00 
15,025 00 
32,000 00 

5,000 oo 

20,600 00 
44,000 00 
50,000 00 
42,000 00 
37,500 00 
57,500 00 
3,000 00 
90,000 00 
77,000 00 

292,500 00 
32,500 00 
50,000 00 
85,000 00 
31,250 00 
92,000 00 
20,500 00 

231,000 00 
78,750 00 
21,200 00 
27,500 00 
81,000 00 
54,500 00 
28,250 00 
27,600 00 
22,400 00 
78,937 50 
5,100 00 
20,140 00 
26,250 00 
l'7,500 00 
34,240 00 
3,710 00 
27,500 00 
25,000 00 
26,250 00 
27,250 00 
.400 00 
47,500 00 



PHCENIX INSURANCE CO. 



289 



Chicago & North Western Railway, 
Chicago & Western Indiana Railroad bonds, . 
Columbus & Western Railroad, 
Chicago, Burlington & Quincy Railroad, . 
Erie Railway consols, ..... 
Minneapolis Union Railway, .... 
New York, Lackawanna & Western Railroad, 
New York & New England Railroad bonds, . 
New Y^ork, New Haven & Hartford R.R. deb., 
Terre Haute & Logansport Railroad, 
Terre Haute & Peoria bonds, .... 
Texas & New Orleans bonds, .... 



Par Value. 

$50,000 00 
157,000 00 
100,000 00 
10,000 00 
50,000 00 
50,000 00 
50,000 00 
57,000 00 
30,000 00 
50,000 00 
25,000 00 
54,000 00 



Market Value. 

$57,500 00 
178,420 00 
106,000 00 
10,200 00 
67,500 00 
57,500 00 
66,000 00 
65,550 00 
48,000 00 
56,500 00 
25,750 00 
60,480 00 



12,834,650 00 $3,768,318 50 



Securities held as collateral for cash loans : — 

182 shares Travelers Insurance Company, 

10 ' 

240 ' 

70 ' 

103 ' 

64 ' 

100 ' 

100 ' 



Market Value. Loaned Thereon. 



Hartford Carpet Company, 

Landers, Frary & Clark, . 

So. New England Telephone Co., . 

Atlantic Dock Company, 

Hartford Carpet Company, 

Pitts., Ft. Wayne & Chicago R.R., . 

Adams Express Company, 



$36,400 00 

750 00 

6,600 00 

5,250 00 

10,300 00 

4,800 00 

15,000 00 

15,000 00 



$18,752 50 

630 00 

9,000 00 

10,000 00 

20,000 00 



$94,100 00 $58,382 50 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate,* . 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



31, 1893. 

$373,157 48 

368,150 92 

48,777 94 

3,768,318 50 

58,382 50 

25,466 71 

244,033 73 

1,514 09 

597,497 55 

8,744 09 



$5,494,043 51 
292,687 50 



Balance, $5,201,356 01 



Liabilities. 



Losses adjusted and reported, 
Losses disputed or resisted, 



$507,058 73 
26,445 00 






* Value of lands mortgaged, $573,590 00 

Value of buildings thereon 214,900 00 

Amount of insurance held as collateral, .... 107,075 00 



290 PHCENIX INSURANCE CO. 

« 

Unearned premiums on outstanding risks, . $2,183,093 85 
Commissions and brokerage, .... 64,250 00 

Gross liabilities, except capital, . . $2,780,847 58 

Deduct liability on special deposits, . . 200,463 64 

2,580,383 94 

Surplus as regards policy-holders, $2,620,972 07 

Paid-up capital, 2,000,000 00 

Surplus over capital, $620,972 07 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $532,684 54 
Premiums on risks written or renewed, . . 3,831,938 29 

Total, $4,364,622 83 

Premiums now in course of collection, . . 597,497 55 

Entire premiums collected, .... $3,767,125 28 
Less re-insurance and return premiums, . . 534,524 00 

Net cash fire premiums received, . . . $3,232,601 28 

Interest received on mortgages, 22,684 08 

Interest and dividends received from all other sources, . . 266,621 40 
Income from rents, 7,919 51 

Gross cash income, $3,529,826 27 

Expenditures. 

Cash paid for fire losses, $2,317,054 76 

Deduct salvage and re-insurance, . . . 41,147 45 

Net cash paid for fire losses, .... $2,275,907 31 

Cash dividends paid 280,000 00 

Cash paid for commissions and brokerage, .... 560,570 20 

for salaries of officers and employees, . . . 158,455 15 

for State and local taxes, 70,578 11 

for incidentals, 373,606 35 

Gross cash expenditures, $3,719,117 12 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $346,399,217 00 $4,047,981 56 
Fire risks written during 1893, . . 338,102,735 00 3,831,938 29 

Total, $684,501,952 00 $7,879,919 85 

Deduct risks expired and terminated, . 335,482,514 00 3,685,549 74 

In force at end of year, .... $349,019,438 00 $4,194,370 11 



PROVIDENCE WASHINGTON INSURANCE CO. 



291 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (14 per cent), 

Company's stock owned by directors, . 



§55,325,150 00 

33,422,652 00 

2,294,082 00 

6,125,000 00 

280,000 00 

80,400 00 



"PROVIDENCE WASHINGTON INSURANCE COMPANY;' 
PROVIDENCE, R. I. 

[Incorporated 1799. Commenced business 1799.] 

Paid-up Capital, $400,000. 

J. H. DeWOLF, President. E. L. WATSON, Secretary. 



Detailed Statement of Stocks 



Boston & Providence Railroad bonds, 

Baltimore & Ohio Railroad bonds, . 

Bath Gas and Electric Light Company bonds 

Rensselaer & Saratoga Railroad bonds, . 

Lehigh Valley Railroad bonds, 

Morris & Essex Railroad bonds, 

300 shares Nat'l Bank of Commerce, N. V., 

110 ' 

100 ' 

500 ' 
1,000 ' 

424 ' 

300 ' 

500 ' 

400 ' 

500 ' 

300 ' 

300 ( 

200 ' 

500 ' 
20 ' 

500 ' 
1,500 ' 



National Park Bank, N. Y., . 
N.Y. Mutual Gas Light Co., N.Y. 
American Nat'l Bank, Providence 
Blackstone Canal N'l B'k, Prov. 
Commercial N'l B'k, Providence 
Manufacturers' N'l B'k, Prov., 
Merchants' Nat'l B'k, Providence 
Mechanics' Nat'l B'k, Providence 
Nat'l Bank of Commerce, Prov., 
Nat'l Bank of No. America, Prov. 
National Eagle Bank, . 
Weybosset National Bank, . 
Providence Gas Company, . 
Bath Gas and EPc L't Co., B'th, .Me 
Chicago & Alton Railroad, . 
What Cheer Corporation, 



and Bonds. 

Par Value. 

$125,000 00 
25,000 00 

4,000 00 
12,000 00 
50,000 00 
25,000 00 
30,000 00 
11,000 00 
10,000 00 
25,000 00 
25,000 00 
21,200 00 
30,000 00 
25,000 00 
20,000 00 
25,000 00 
15,000 00 
15,000 00 
10,000 00 
25,000 00 

2,000 00 

50,000 00 

200,000 00 



Market Value. 

$127,500 00 
28,125 00 
3,500 00 
17,220 00 
50,000 00 
34,625 00 
54,000 00 
33,000 00 
15,000 00 
22,500 00 
25,000 00 
19,504 00 
41,100 00 
32,500 00 
21,200 00 
27,500 00 
13,800 00 
16,800 00 
10,400 00 
40,000 00 
500 00 
70,000 00 
200,000 00 



$780,200 00 $903,774 00 



Summary of Assets Dec. 31, 1893. 
Stocks and bonds, as per schedule, . . . $903,774 00 
Cash in the office of the company, . . . 3,381 70 

Cash deposited in bank, 56,651 29 



292 



PROVIDENCE WASHINGTON INSURANCE CO. 



Premiums in course of collection (gross), . $180,239 23 

Notes taken for marine and inland risks, . 70,755 97 

Re-insurance, 2,500 00 

Premiums more than 3 months due, $3,797 87 

Gross assets, 



$1,217,302 19 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$9,061 62 

160,735 72 

9,797 97 

$179,595 31 
46,030 11 

$133,565 20 

620,291 24 

32,055 92 

2,411 89 



788,324 25 

$428,977 94 
400,000 00 



$28,977 94 



Income. 

Fire premiums outstanding Dec. 31, 1892, ' . $139,130 83 

Same not collected, 312 59 

Net collected, 1 138,8 18 24 

Premiums on risks written or renewed, . . 1,246,615 11 

Total $1,385,433 35 

Premiums now in course of collection, . . 116,499 32 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, .... 



81,268,934 03 
709,729 72 

£120,831 51 
514,162 30 

8634,993 81 
138,293 75 

§496,700 06 
126,021 78 



1559,204 31 



370,678 2S 
41,284 37 



$971,166 96 



PROVIDENCE WASHINGTON INSURANCE CO. 



293 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . - 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$728,809 37 
198,318 34 

$418,837 57 
101,167 12 



$530,491 03 



317,670 45 

158,653 11 

80,886 34 

24,314 34 

51,010 93 



. $1,163,020 20 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$132,112,252 00 
124,866,190 00 



Premiums. 

$1,464,173 84 
1,246,615 11 



$256,978,442 00 
115,820,388 00 



$141,158,054 00 
51,104,542 00 



$2,710,788 95 

1,204,365 66 

$1,506,423 29 

563,207 80 



§90,053,512 00 $943,215 49 



$7,833,124 00 
96,367,467 00 



$255,972 88 
514,162 30 



$104,200,591 00 
97,157,925 00 



§770,135 18 
533,742 64 



§7,042,666 00 
2,118,870 00 



§236,392 54 
52,230 46 



$4,923,796 00 $184,162 08 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Company's stock owned by directors, . . . . 



$22,654,578 00 

13,367,281 00 

533,412 00 

314,252 00 

2,052,563 00 

38,500 00 



294 



QUEEN INSURANCE CO. OF AMERICA. 



"QUEEN INSURANCE COMPANY OF AMERICA," NEW YORK, X. Y. 

[Incorporated Sept. 11, 1891. Commenced business Sept. 11, 1891.] 
Paid-up Capital, $500,000. 
JAS. A. MACDONALD, President. GEO. W. BURCHELL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $370,000 00 $419,907 56 

District of Columbia bonds, .... 270,000 00 304,777 53 

New York city bonds, 200,000 00 201,500 00 

New Zealand stock, ...... 49,000 00 49,000 00 

Quebec loan, 24,500 00 24,500 00 

Manitoba debentures, 29,400 00 29,400 00 

Halifax, N. S., stock, 60,000 00 66,000 00 

150 shares New York & Harlem Railroad, . 7,500 00 19,070 20 

295 " United N. J. R.R. & Canal Co., . 29,500 00 65,709 35 

1,017 " N. Y., Lack. & Western Railroad, 101,700 00 112,093 33 

950 " Rome, Watertown & Ogd. R.R., . 95,000 00 100,135 00 

360 " Pittsburgh, F. W. & Chic. R.R., . 36,000 00 55,613 30 

1,400 " Morris & Essex Railroad, . . 70,000 00 107,800 00 

250 " Rensselaer & Saratoga Railroad, . 25,000 00 42,437 50 

Farmers 1 Loan & Trust Co. stock, . . . 10,000 00 71,600 00 

United States bonds, 90,000 00 103,015 83 

New York, Lack. & Western Railroad bonds, . 200,000 00 239,000 00 

Chicago & Southwestern Railroad bonds, . 10,000 00 10,741 73 

North Wisconsin Railroad bonds, . . . 30,000 00 36,761 18 

Chicago, Burlington & Quincy Railroad bonds, 40,000 00 42,990 82 

Chicago, Rock Island & Pacific R.R. bonds, . 35,000 00 35,373 66 

Fremont, Elkhorn & Mo. Railroad bonds, . 10,000 00 11,912 79 

Chicago, Mil. & St. Paul Railroad bonds, . 106,000 00 109,049 96 

Chicago & North Western Railroad bonds, . 50,000 00 52,239 15 

Baltimore & Ohio Railroad bonds, . . . 10,000 00 10,364 94 

Pennsylvania Railroad bond 50,000 00 50,965 04 

Morris & Essex Railroad bonds, . . . 110,000 00 148,500 00 

Michigan Central Railroad bonds, . . . 43,000 00 45,971 45 

Central Railroad of New Jersey bonds, . . 80,000 00 88,800 00 

Lake Shore & Michigan Southern R.R. bonds, 40,000 00 46,638 04 

Canada Southern Railroad bonds, . . . 25,000 10 26,044 74 

Chicago, St Paul, Minn. & Omaha R.R. bonds, 25,000 00 28,928 04 

Albany & Susquehanna Railroad bonds, . . 25,000 00 29,446 64 

Detroit & Bay City Railroad bonds, . . 20,000 00 24,199 48 

Northern Pacific Railroad bonds, . . . 44,000 00 49,365 64 

Louisville & Nashville Railroad bonds, . . 15,000 00 16,044 16 

Evansville & Indianapolis Railroad bonds, . 25,000 00 25,734 81 

Ohio & Miss. Railroad bonds, .... 6,000 00 5,615 00 

Consolidated Gas Co. of New York bonds, . 20,000 00 20,459 05 



82,486,600 00 $2,933,831 97 



QUEEN INSURANCE CO. OF AMERICA. 



295 



Summary of Assets Dec. 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Gash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Re-insurance, 

Premiums more than 3 months due, $ 34,797 09 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 



31, 1893. 

$2,933,831 

10,914 

322,806 

41,621 

334,047 

2,103 

611 



97 
52 
82 
15 
85 
52 
78 



$3,645,937 61 
420,900 00 

$3,225,037 61 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Xet amount of unpaid losses, . 
Unearned premiums ou outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, etc., .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 

Tncome 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, . . 

Xet collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



$147,883 

152,180 

14,092 



72 
75 
74 



$314,157 
11,156 



21 
73 



$303,000 


48 


1,692,904 79 


7,059 


22 


60,011 


89 


44,128 


10 


9,054 


11 



$2,116,158 
264,913 



59 
46 



.,851,245 13 



. $1,373,792 48 
500,000 00 

. $873,792 48 



$373,261 
192 



17 

59 



$373,068 
2,786,768 



58 
62 



$3,159,837 
370,948 



20 
46 



$2,788,888 
615,559 



74 
47 



- $2,173,329 27 
115,948 03 

. $2,289,277 30 



296 



THE READING FIRE INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$1,691,899 15 
242,274 08 



- $1,449,62:- 

345,917 88 

172,671 89 

36,615 64 

158,227 68 

. $2,163,058 16 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $288,971,283 00 $3,321,751 20 
Fire risks written during 1893, . . 235,408,881 00 2,786,768 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$524,380,164 00 $6,108,519 82 
228,489,089 00 2,688,523 98 



$295,891,075 00 $3,419,995 84 
13,150,683 00 127,364 38 



$282,740,392 00 $3,292,631 46 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Company's stock owned by directors, 



. $5,797,556 00 

. 2,883.'. 3 

. 1,511,602 00 

00 



"THE READING FIRE INSURANCE COMPANY," READING, PA. 

[Incorporated July 8, 1867. Commenced business July 8, 1867.] 

Paid-up Capital, $250,000. 

WM. A. ARNOLD, President. S. E. ANCONA, Secretary. 



Detailed Statement of Stocks 



Philadelphia & Reading Railroad bonds, 
Perkiomen Railroad bonds, 
Warren & Franklin Railroad bonds, 
United States bonds, .... 
250 shares Reading Gas Company, . 
124 
200 

150 ' 

50 ' 

100 ' 



So. Reading Market House Co., 
East Pennsylvania Railroad, . 
National Union Bank, Reading, 
Farmers' National Bank, Reading, 
Second National Bank, Reading, 



and Bonds. 

Par Value. 

836,000 00 
2,000 00 
1,000 00 

10,000 00 
6,250 00 
3,100 00 

10,000 00 
3,750 00 
1,500 00 

10,000 00 



Market Value. 

$29,715 00 

1,960 00 

50 00 

11,325 00 
15,000 00 

00 
10,600 00 
12.450 00 

00 
17,500 00 



THE READING FIRE INSURANCE CO. 



297 



737 shares Reading Trust Company, 

70 shares Reading City Passenger Railway, . 
Reading City Passenger Railway bonds, . 
South Reading Market House Company scrip, 

Securities held as collateral for cash loans : — 



Par Value. 

$73,700 00 

3,500 00 

500 00 

900 00 



Market Value. 

$92,125 00 

6,300 00 

500 00 

900 00 



$162,200 00 $207,455 00 



22 shares National Union Bank, 

28 " National Union Bank, 

40 " Farmers' National Bank, 
100 i4 Reading Gas Company, . 

25 " Second National Bank, . 
8 " First National Bank, 
5 " Progressive B. & S. stock, 
150 " Keystone Wagon Company, 

10 " Second National Bank, . 

39 " South Reading Market House 

45 " Reading Trust Company, 
Reading Foundry Company bonds, . 
100 shares Trust Company of North America, 

60 shares Gr'd Opera House and Market Ho., 
Clearfield Bit. Coal Company, . 
Judgment notes secured, . 
Life interest in real estate, . 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate,* . 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, etc., 
Premiums more than 3 months due, $300 00 
Gross assets, 



Market Value. Loaned Thereon. 

$1,866 00 $1,300 00 
5,524 00 5,000 00 

6,000 00 5,000 00 
I 6,055 00 1,300 00 

340 00 150 00 

15,<>00 00 9,000 00 

1,750 00 1,500 00 

1,267 50 700 00 

5,625 00 4,375 00 

25,000 00 25,000 00 

I 7,500 00 3,000 00 

1,150 00 1,150 00 

4,000 00 120 00 

$81,077 50 $57,595 00 

31, 1893. 

$60,178 67 

276,136 60 

3,596 99 

207,455 00 

57,595 00 

367 58 

46,997 93 

926 47 

62,931 05 

103 61 

1,431 01 

$717,719 91 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



$27,738 42 
25,319 21 
11,671 06 



* Value of lands mortgaged, $211,820 00 

Value of buildings thereon, 424,850 00 

Amount of insurance held as collateral, .... 305,618 00 



298 



THE READING FIRE INSURANCE CO. 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, ..... 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from commissions, 
Deposits received for perpetual fire risks, 
Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 

Risks and Premiums. 



|283,025 24 

4,180 70 

937 60 

1,000 00 

9,202 93 
9,008 50 



$55,950 28 
483,776 62 

$539,726 90 
63,231 06 



1476,495 

51,250 41 



sources, 



3 83 



8308,265 80 

9,182 47 



6193 50 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, .... 
Perpetual risks in force (not included above) , 



$45,433,126 00 
38,369,943 00 



2 ,083 66 



$345,630 25 
250,000 00 

|95,636 25 



$425,245 44 

18,283 77 

10,363 03 

3,519 01 

6 59 



|459,477 



',083 33 

9,262 00 

82,256 70 

12,057 58 

8,446 94 

35,272 89 



883,803,069 00 
37,685,559 00 



8446,379 44 

Premiums. 

9 27 

.776 62 

§1,023,645 89 
465,987 89 



$46,117,510 00 
1,537,595 00 



$557,65- 
19,110 27 



$44,579,915 00 
149.250 00 



$538,547 73 

4.4' 



THE RELIANCE INSURANCE CO. OF PHILADELPHIA. 



299 



Miscellaneous. 

Premiums received from organization of company, . $2,965,116 00 

Losses paid from organization of company, . . . 1,553,905 00 

Fire losses incurred during the year, .... 305,862 00 

Cash dividends declared from organization of company, 377,561 00 

Dividends declared during the year (4 per cent.), . . 10,000 00 

Company's stock owned by directors, .... 50,090 00 



"THE RELIANCE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 21, 1841. Commenced business Aug. 9, 1844.] 

Paid-up Capital, $300,000. 

THOMAS C. HILL, President. CHAS. J. WISTER, Jk., Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $15,000 00 

Philadelphia city bonds, 75,000 00 

Pittsburg city W. W. bonds, .... 30,000 00 

City of Quincy, 111., bonds, .... 15,000 00 

American Steamship Company bonds, . . 5,000 00 

United Company of New Jersey bonds, . . 5,000 00 

Lehigh Coal & Navigation Company bonds, . 20,000 00 

Lehigh Valley Railroad Company bonds, . 20,000 00 

Easton & Amboy Railroad bonds, . . . 20,000 00 

North Pennsylvania Railroad bonds, . . 15,000 00 

Louisville & Nashville Railroad bonds, . . 8,000 00 

Northern Central Railroad bonds, . . . 10,000 00 

Philadelphia & Erie Railroad bonds, . . 25,000 00 

Philadelphia & Baltimore Central R.R. bonds, 10,000 00 

Pennsylvania Railroad bonds, .... 4,000 00 

Steubenville & Indiana Railroad bonds, . . 10,000 00 

Camden & Atlantic Railroad bonds, . . 30,000 00 

Phila., Wilmington & Baltimore R.R. stocks, . 25,000 00 

Pennsylvania Equipment Trust certificates, . 15,000 00 

Car Trust of New York certificates, . . 1,000 00 

200 shares Commercial National Bank, . . 10,000 00 

40 shares Mechanics' National Bank, . . 4,000 00 

Allentown Terminal Railroad bonds, . . 15,000 00 

Penn. & New York Canal and R.R. bonds, . 60,000 00 

American Water Works Co. bonds, . . . 10,000 00 

Philadelphia & Reading Railroad bonds, . 10,000 00 

Delaware River Ferry Company bonds, . . 10,0(»0 00 

Lehigh Valley Railroad consols, . . . 25,000 00 

City of Wilmington bonds, .... 10,000 00 



Market Value. 

$16,950 00 
79,503 00 
33,900 00 
15,C00 00 

5,100 00 

5,000 00 
21,200 00 
21,600 00 
21,400 00 
18,000 00 

8.960 00 
11,450 00 
28,250 00 
10,500 00 

4,480 00 
10,500 00 
31,500 00 
25,500 00 
15,000 00 
950 00 
10,000 00 

3,600 00 
15,300 00 
60,500 00 

8,500 00 

9,750 00 
10,250 00 
24,250 00 
10,650 00 



$512,000 00 $537,543 00 



300 



THE RELIANCE INSURANCE CO. OF PHILADELPHIA. 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . . . 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Xet cash tire premiums received, 

Interest received ou mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 

Deposits received on perpetual fire risks, 

Gross cash income, .... 



31, 1893. 

|112,000 00 

102,900 00 

1,334 00 

537,543 00 

2.629 41 
24,659 50 
39,672 51 

314 00 

1.630 00 



$2,636 40 

28,635 83 

897 00 

$32,169 23 

1,517 94 

.651 29 

169,539 12 

129,146 55 

I 00 

7. 76 10 



".511 64 
327,213 53 

f, "2.725 17 
33,254 51 

8319,470 66 
74,661 44 



sources, . 

.£7,337 50 



$822,682 42 



336,613 06 



$486,069 36 
300,000 00 



? 186,069 36 



§244,809 22 

19 06 

27,564 80 

713 84 



$278,336 92 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$102,500 00 

136,000 00 

73,500 00 



ROCHESTER GERMAN INS. CO. OF ROCHESTER, NEW YORK. 301 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and emplovees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 

Risks and Premiums. 



$198,171 43 
16,579 96 



§5,722 35 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, ..... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



. $28,079,940 00 
. 32,201,570 00 



,281,510 00 
28,553,688 00 



. $31,727,822 00 
. 2,801,550 00 



$181,591 47 
18,000 00 
43,233 28 
19,119 55 
8,195 56 
20,404 39 

$290,544 25 

Premiums. 

§299,510 27 
327,213 53 



$626,723 80 
285,115 18 



$341,608 62 
27,582 79 



Net amount in force, $28,926,272 00 $314,025 83 

Perpetual risks in force (not included above), 5,110,368 00 139,617 88 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, * 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$3,408,206 00 

2,209,634 00 

150,94*0 00 

790,597 00 

18,000 00 

42,500 00 



" ROCHESTER GERMAN INSURANCE COMPANY OF ROCHESTER, 
NEW YORK," ROCHESTER, N. Y. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 

Paid-up Capital, $200,000. 

FREDERICK COOK, President. H. F. AT WOOD, Secretary. 



Detailed Statement of Stocks and Bonds. 

Tar Value. 

Rochester Railway bonds, .... $100,000 00 

Georgia State bonds, 25,000 00 

Virginia State bonds, . . . . 15,000 00 

German-American Bank of Rochester stock, . 10,000 00 

Rochester Title Insurance Company stock, . 10,000 00 



Market Value. 

$98,000 00 
27,250 00 
10,800 00 
17,500 00 
10,000 00 



$160,000 00 $163,550 00 



302 ROCHESTER GERMAN INS. CO. OF ROCHESTER, NEW YORK. 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $19 

Loans on mortgage of real estate (first liens*), 395,205 00 

Interest due or accrued thereon, . . . 6,869 27 

Stocks and bonds, as per schedule, . . . 163,550 00 

Cash in the office of the company, . . . 1,584 75 

Cash deposited in bank, 82,918 08 

Interest due and accrued, 1,950 00 

Premiums in course of collection (gross), . 72,931 99 

Gross assets, 

Deduct special deposits in other States, 



$915,898 93 
63,050 00 



Balance, £852,848 93 

Liabilities. 

Losses adjusted, unpaid, $41,411 35 

Losses claimed and reported, .... 42,800 40 

Unearned premiums on outstanding risks, . 415,391 63 

Commissions and brokerage, .... 1,122 36 



Gross liabilities, except capital, . . $500,725 74 
Deduct liability on special deposits, , . 17,694 74 



483,031 00 



Surplus as regards policy-holders, $369,817 93 

Paid-up capital, 200,000 00 



Surplus over capital, $169,817 93 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $87,569 71 
Premiums on risks written or renewed, . . 799,210 70 

Total $886,780 41 

Premiums now in course of collection, . . 72,931 99 

Entire premiums collected, .... $813,848 42 
Less re-insurance and return premiums, . . 293,607 96 

Net cash fire premiums received, . . . $520,240 46 

Interest received on mortgages, 19,258 25 

Interest and dividends received from all other sources, . . 8,647 97 

Income from rents, etc., 22,103 40 

Gross cash income, $570,250 08 

* Value of lands mortgaged $43S,S90 00 

Value of buildings thereon, 626,950 00 

Amount of insurance held as collateral, .... 395,975 00 



RUTGERS FIRE INSURANCE CO. 



303 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 



$460,992 79 
82,906 15 



Gross cash expenditures, 



$378,086 64 
20,000 00 
117,224 08 
27,479 45 
17,488 68 
43,862 51 

$604,141 36 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

. $83,187,813 00 $950,067 56 
. 65,641,818 00 799,210 70 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$148,829,631 00 $1,749,278 26 
. 67,356,651 00 818,219 09 



,472,980 00 $931,059 17 
9,204,701 00 115,485 90 



. $72,268,279 00 $815,573 27 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . . . . 



16,761,864 00 

3,850,428 00 

401,208 00 

359,000 00 

20,000 00 

39,562 00 



" RUTGERS FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 

Paid-up Capital, $200,000. 

EDWARD B. FELLOWS, President. HENRY C. KREISER, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

District of Columbia bonds, .... $50,000 00 

400 shares N. Y. Central & Hudson River R.R., 40,000 00 

300 " Delaware, Lacka. & Western R.R., 15,000 00 

400 " Delaware & Hudson Canal Co., . 40,000 00 

300 " Consolidated Gas Company, N. Y., 30,000 00 

50 " Long Island Railroad, . . . 2,500 00 

187 " Tradesmen's National Bank, N. Y., 7,480 00 

N. Y. Elevated Railroad bond, . . . 1,000 00 

N. Y. Cent. & II. R. Railroad subscriptions, . 3,000 00 



Market Value. 

$57,500 00 

40,000 00 

24,300 00 

52,000 00 

37,500 00 

2,500 00 

7,629 60 

1,100 00 

3,000 00 



$188,980 00 $225,529 60 



304 



RUTGERS FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 181)3. 

Cash value of unencumbered real estate, . $69,500 00 

Loans on mortgage of real estate (first liens*), 30,700 00 

Interest due or accrued thereon, . . . GOO 83 

Stocks and bonds, as per schedule, . . . 225,529 

Cash in the office of the company, . . . 1,098 36 

Cash deposited in bank, 5,547 56 

Interest due and accrued, 1,977 08 

Premiums in course of collection (gross), . 13,416 24 
Premiums more than 3 months due, $1,030 59 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, $ 9,281 50 

Losses claimed and reported, .... 6,299 50 

Unearned premiums on outstanding risks, . 60,848 32 

Commissions and brokerage, .... 1,569 24 

Return premiums and re-insurance , . . 1,952 24 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $6,239 62 

Same not collected, 149 32 

Net collected, 86,090 30 

Premiums on risks written or renewed, . . 124,694 35 

Total $130,784 65 

Premiums now in course of collection, . . 14,446 83 

Entire premiums collected, .... $116,337 82 
Less re-insurance and return premiums, . . 18,510 75 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash dividends paid, . 



$81,939 59 
1,508 55 



$348,30'.' 



79,950 80 



$268,4 1* 87 
200,000 00 



18 87 



$97,827 07 

6 84 

10,973 29 

2,127 50 



8113,134 70 



$80,431 04 
20,000 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$46,500 00 

•2S,:oo 00 

27,850 00 



SECURITY INSURANCE CO. OF NEW HAVEN. 



305 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, 



$19,452 67 

13,770 00 

2,194 84 

6,378 15 

$142,226 70 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

.$12,426,278 00 $ 11 1,061 30 
. 12,558,522 00 124,694 35 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$24,984,800 00 $235,755 65 
. 12,432,269 00 112,324 86 



.$12,552,531 00 $123,430 79 
289,964 00 2,478 75 



$12,262,567 00 $120,952 04 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$3,380,680 00 

1,421,801 00 

87,092 00 

1,082,000 00 

20,000 00 

53,075 00 






"SECURITY INSURANCE COMPANY OF NEW HAVEN," 
NEW HAVEN, CONN. 

[Incorporated April, 1841. Commenced business April, 1841.] 

Paid-up Capital, $200,000. 

CHAS. S. LEETE, President. H. MASON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Tradesmen's Nat'l Bank (New Haven) stock, f 16,000 00 $22,400 00 

Second National Bank (New Haven) stock, . 10,900 00 18,530 00 

Merchants' Nat'l Bank (New Haven) stock, . 13,300 00 12,502 00 

Yale National Bank (New Haven) stock, . 16,300 00 18,745 00 

New Haven Nat'l Bank (New Haven) stock, . 19,000 00 32,300 00 

New Haven Co. Nat'l B'k (New Haven) stock, 18,090 00 25,326 00 

American Exchange Nat'l Bank (N. Y.) stock, 10,000 00 15,000 00 

Commerce National Bank (New York) stock, 3,500 00 6,300 00 

Western National Bank (New York) stock, . 7,500 00 8,250 00 

New Haven Water Company stock, . . 8,800 00 17,776 00 

Southern New England Telephone Co. stock, . 5,000 00 4,050 00 

Chicago, Rock Island & Pacific R.R. stock, . 11,000 00 7,040 00 



306 



SECURITY INSURANCE CO. OF NEW HAVEN. 



Cleveland, Cincinnati, Chicago & St. Louis R'y, 
Macon (Ga.) Gas Light & Water Co. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Minneapolis & St. Louis Railroad bonds, 
Savannah & Western Railroad bonds, 
New York & New England Railroad bonds, 
New York, New Haven & Hartford Railroad 
Columbus & Hocking Coal & Iron Company, 
City of Omaha, Neb., bonds, 
City of Council Bluffs, Iowa, bonds, 
City of Superior, Wis., bonds, . 



Securities held as collateral for cash loans : — 



New Haven Water Company stock, 

City Bank, New Haven, stock 

Mechanics' Bank, New Haven, stock, 
Third National Bank, Rockford, 111., stock, 

Mortgage assigned, 

United States Rubber Company stock, . 
Herring-Hall-Marvin Company stock, 



Par Value. 

$10,000 00 

10,000 oo 

5,000 00 

4,000 00 
10,000 00 
14,000 00 

6,000 00 
10,000 00 
10,000 00 

2,000 00 

7,000 00 



Market Value. 

$8,000 00 
7,500 00 
5,900 00 

4,600 00 

3,800 00 

14,070 00 

4,740 00 

10,000 00 

10,550 00 

2,040 00 

7,000 00 



$227,390 00 $267,019 00 



Market Value. Loaned Thereon. 



<1,010 00 
2,760 00 
372 00 
6,000 00 
7,500 00 
4,500 00 
2,000 00 



$800 00 
2,500 00 

5,000 00 
5,000 00 
2,600 00 
1,500 00 



$24,142 00 f 17,400 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 



31, 1893. 

$46,000 00 

147,600 00 

1,910 51 

267,019 00 

17,400 00 

509 70 

22,986 59 

2,386 64 

51,464 47 

8,728 36 

207 80 



818,969 15 

41,799 34 

2,100 00 



$62,868 49 
7,809 66 



$566,213 07 



$55,058 83 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$396,425 00 
121,250 00 
121,250 00 



SECURITY INSURANCE CO. OF NEW HAVEN. 



307 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, etc., . . . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$270,511 73 

8,357 11 

11,569 75 



$345,497 42 

$220,715 65 
200,000 00 



,715 65 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, ...... 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, . 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, . 

Premiums on risks written or renewed, . 



,437 15 
49 73 



*,387 42 
566,803 56 



Total, 

Premiums now in couifce of collection, . 

Entire premiums collected, . . . 
Less re-insurance and return premiums, . 

Net cash marine premiums received, . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$635,190 98 
48,335 75 

$586,855 23 
232,418 13 

$10,185 01 
116,850 43 

$127,035 44 
3,128 72 

$123,906 72 
44,634 65 



$354,437 10 



79,272 07 

7,964 92 

17,356 29 



Gross cash income, ........ $459,030 38 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Gross cash expenditures, .... 



$377,437 70 
39,426 53 



$104,903 48 
36,513 59 



$338,011 17 



68,389 89 

91,685 26 

45.244 60 

6,125 71 

$549,456 63 



308 



SPRING GARDEN INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, * . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$67,335,180 00 
53,862,900 00 

$121,198,080 00 
54,723,106 00 

$66,474,974 00 
9,055,402 00 



Premiums. 

$701,959 20 
566,803 56 



$1,268,762 76 
667,882 01 



$1,402,002 00 
16,280,938 00 

$17,682,940 00 
16,552,587 00 

$1,130,353 00 
66,368 00 



$011,380 75 
115,407 93 



$57,419,572 00 $495,972 82 



$32,265 72 
116,850 43 



$149,116 15 
126,866 80 



.249 35 
2,212 18 



$1,063,985 00 $20,037 17 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . . • . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



$8,005,068 00 

5,558,450 00 

349,094 00 

69,897 00 

409,281 00 

51,360 00 



"SPRING GARDEN INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated April 15, 1S35. Commenced business Aug. 29, 1835.] 

Paid-up Capital, $400,000. 

W. G. WARDEN, President. CLARENCE E. PORTER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

City of St. Joseph bonds, .... f 20,000 00 $22,600 00 

National Water Works Company of N. Y., . 10,000 00 10,000 00 

Pittsburgh, Cin. & St. Louis Railroad bonds, . 30,000 00 34,500 00 

Lehigh Valley Railroad bonds, . . . 20,000 00 24,200 00 

People's Passenger Railway bonds, . . . 10,000 00 12,000 00 

Lehigh Coal & Navigation Company bonds, . 20,000 00 25,200 00 

American Steamship Company bonds, . . 5,000 00 5,087 50 



SPRING GARDEN INSURANCE CO. 



309 



Terre Haute & Logansport Railroad bonds, 
Clew, Columbus, Cin. & Ind. Railroad bonds, 
Jacksonville, Louisville & St. Louis R.R. bonds 
Columbus & Cincinnati Midland R.R, bonds, 
Marietta & North Georgia Railroad bonds, 
Zanesville & Ohio River Railroad bonds, 
Clearfield & Jefferson Railroad bonds, 
Jacksonville, Tampa & Key West R R. bonds 
Philadelphia & Reading Railroad bonds, 
Penn. & New York Canal & Railroad bonds, 
Allegheny Valley Railroad bonds, . 
Robert H. Coleman bonds, 
Bloomington City (111.) Railway bonds, . 
Pennsylvania & Northwestern Railroad bonds 
Bell's Gap Railroad bonds, 
Pennsylvania Steel Company bonds, 
Camden and Atlantic Railroad bonds, 
Sunbury, Hazleton & Wilkesbarre R'y bonds 
Philadelphia & Reading Railroad bonds, . 
Wilmington & Northern Railroad bonds, 
Camden, N. J., Horse Railroad bonds, 
Newark, N. J., Passenger Railway bonds, 
Rochester, N. Y., Railway bonds, . 
Phila., Reading & New England R.R. bonds, 
Mortgage Trust Company of Penn. bonds, 
100 shares Pennsylvania Railroad Company, 
75 " Commercial Nat'l Bank of Phila., 
200 " Penn National Bank of Phila., 
Oglethorpe Sav. & Trust Co., Sav'h, Ga., cert 
Chamberlin Investment Co., Denver, bonds, 



Securities held as collateral for cash loans : — 

Phila., Reading & New Eng. R.R. bonds, 
115 sha»es Seaboard Company, Georgia, . 
50 shares Liberty Iron Company, Va., . 

Mortgage assigned, 

Lehigh Valley Railroad bonds, 

Excess of loan over market value, . 



Par Value. 

$20,000 00 
10,000 00 
21,000 00 
20,000 00 
20,000 00 
10,000 00 
15,000 00 
10,000 00 
34,000 00 
10,000 00 
15,000 00 

5,000 00 
27,000 00 
25,000 00 

8,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
25,000 00 
15,000 00 
10,000 00 
10,000 00 
30,000 00 
25,000 00 

5,000 00 

3,750 00 
10,000 00 
10,000 00 

6,000 00 



Market Value. 

$21,200 00 

12,000 00 

10,500 00 

18,000 00 

6,000 00 

5,000 00 

17,700 00 

9,000 00 

33,720 00 

10,700 00 

15,400 00 

5,000 00 

13,500 00 

25,625 00 

8,800 00 

9,200 00 

11,500 00 

9,700 00 

15,000 00 

26,000 00 

15,750 00 

9,100 00 

9,100 00 

15,000 00 

25,000 00 

4,800 00 

4,125 00 

17,000 00 

6,000 00 

4,500 00 



$559,750 00 $527,507 50 



Market Value. Loaned Thereon. 



§7,000 00 

1,250 00 
10,000.00 
14,520 00 



$32,770 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $300,800 00 

Losses on mortgage of real estate (first liens*), 280,350 00 



$11,000 00 

11,000 00 

5,000 00 

8,000 00 

13,500 00 

$48,500 00 
18,750 00 

$29,750 00 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$522,475 00 
229,350 00 



310 



SPRING GARDEN INSURANCE CO. 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, , 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, .... 
Rents and re-insurance, .... 
Gross assets, 



|6,008 30 

527,007 50 

29,750 00 

1,442 

42,005 94 

1,408 33 

42,395 58 

506 58 

1,170 68 



$1,233,405 83 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
State and local taxes, 
Commissions and brokerage, . . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1892 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 
Income from rents, .... 
Income from perpetual insurance, etc., 
Deposits received for perpetual fire risks 
Gross cash income, .... 



$8,408 96 

27,149 28 

5,152 84 

$40,711 08 
2,010 61 

$38,700 47 

259,875 10 

382,078 66 

1,752 00 

1,977 20 

2,893 43 



£37,677 28 
546,698 15 



$584,375 43 
42,395 58 

§541,979 85 
166,989 08 



sources, 



687,276 86 

?546,128 97 

400,000 00 

$146,128 97 



$9,265 54 



$374,990 77 
16,538 1 

29,146 39 

4.730 08 

5 08 

8426,611 - 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



311 



Expenditures. 

Cash paid for fire losses, $307,391 75 

Deduct salvage and re-insurance, . . . 38,375 07 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, . $14,115 50 

Gross cash expenditures, 



$269,016 68 
32,000 00 
75,167 87 
17,170 16 
16,770 53 
25,636 31 



$ 435,761 55 



Risks and Premiums. 



$45,067,448 00 
48,757,536 00 



$93,824,984 00 
45,315,862 00 



$48,509,122 00 
4,602,601 00 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 17,583,927 00 

Miscellaneous. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$43,906,521 00 



Premiums. 

$506,058 33 
546,698 15 

1,052,756 48 
500,976 81 

$551,779 67 
52,803 77 

$498,975 90 
418,976 29 



53,329,785 00 
251,511 00 

1,537,215 00 

32,000 00 

143,850 00 



"ST. PAUL FIRE AND MARINE INSURANCE COMPANY, 11 

ST. PAUL, MINN. 

[Incorporated May, 1865. Commenced bueinese May, 1865.] 

Paid-up Capital, $500,000. 

C. H. BIGELOW, President. C. B. GILBERT, Secretary. 



Detailed Statement of Stocks 



320 shares First National Bank, St. Paul, 

475 ' 

50 ' 
130 ■ 
332 ' 

45 



Merchants' National Bank, St. Paul, 
Second National Bank, St. Paul, 
Bank of Minnesota, St. Paul, . 
St. Paul National Bank, St. Paul, . 
First National Bank, Alexandria, . 



and Bonds. 

Par Value. 

$32,000 00 

47,500 00 

5,000 00 

13,000 00 

33,200 00 

4,500 00 



Market Value. 

$80,000 00 
99,750 00 
13,400 00 
19,500 00 
37,184 00 
5,850 00 



312 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



120 shares Flour City Naf 1 B'k, Minneapolis, 
50 " St. Paul Trust Co , St. Paul, . 
30 " First National Bank, St. Peter, 
50 " First National Bank, Stillwater, 
45 " Northwest'n Nat'l B'k, Minneapolis 

100 " First Nat'l Bank, Minneapolis, 
60 " American Exchange Bank, Duluth 
87 " Bank of New Eng., Minneapolis, 

100 " First National Bank, Duluth, 
50 " Northwest'n Nat'l B'k.,W. Superior 

Chicago, St. Paul, M. & O. Railroad bonds, 
40 shares Pioneer Press Company, . 

100 shares North American Telegraph Co., 

State of Georgia bonds, . 

City of Jordan bonds, 

City of Mankato bonds, . 

Town of Sauk Centre, bonds, . 

Town of Vernon Centre bonds, 

Town of Jo Daviess bonds, 

Town of Elmore bonds, . 

Town of Garden City bonds, . 

Town of Winnebago, Minn., bonds, 7 per ct., 

Village of Winnebago bonds, . 

Town of Pilot Grove bonds, 

Town of Mazeppa bonds, 

Town of Oakwood bonds, 

Town of Blue Earth City bonds, 

County of Pine bonds, 

County of Rock bonds, 

County of Dawson bonds, 

County of Kidder, N. D., bonds, 

County of Grant, Minn., school district bonds 

County of Barnes & Cass, N. D., sch. dist. bonds 

County of Carver, Minn., school dist. bonds, 

School District 11, Big Stone County, bonds, 

County of Jerauld, S. D., school bonds, . 

County of Sanborn, S. D., school dist. bonds, 

City and county warrants, 



Securities held as collateral for cash loans : — 



85 shares Merchants' Nat'l Bank, St. Paul, 



Par Value. 

$12,000 00 
5,000 00 
3,000 00 
5,000 00 
4,500 00 

10,000 00 
6,000 00 
8,700 00 

10,000 00 
5,000 00 

10,000 00 
2,000 00 

10,000 00 

25,000 00 

35,000 00 
8,500 00 
1,000 00 
5,500 00 
5,500 00 
6,500 00 
2,500 00 

10,000 00 
5,000 00 
5,000 00 
5,000 00 
6,500 00 

36,000 00 
4,500 00 

24,000 00 
1,500 00 
9,000 00 
2,000 00 

11,100 00 
6,000 00 
3,000 00 
1,200 00 
5,500 00 
4,611 25 



Market Value. 

§12,000 00 
5,000 00 
4,200 00 
7,250 00 
7,110 00 

15,000 00 

10,500 00 
4,350 00 

12,500 00 
5,250 00 

12,000 00 
1,500 00 

10,000 00 

26,000 00 

35,000 00 
8,500 00 
00 
5,500 00 
5,775 00 
6,825 00 
2,500 00 

10,500 00 
5,250 00 
5,250 00 
5,250 00 
6,825 00 

37,800 00 
4,950 00 

27,600 00 
1,500 00 
9,000 00 
2,000 00 

11,100 00 
6,000 00 
3,000 00 
1,200 00 
5,500 00 
4,611 25 



f 455,811 25 $600,780 25 



Market Value. Loaned Thereon. 



20 
65 
501 
39 
77 



St. Paul National Bank, St. Paul, 
Bank of Minnesota, St. Paul, 
Savings Bank, St. Paul, 
Minn. Land and Investment Co., 
Minneapolis Union Elevator Co. 



§ 17,850 00 

2,240 00 

9,750 00 

75,150 00 

19,500 00 

10,395 00 



311,400 00 

1,800 00 

4,500 00 

64,400 00 

10,000 00 

8,500 00 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



313 



Market Value. Loaned Thereon. 



275 shares Far\vell,Ozmun,Kirk&Co.,St.Pl, 

379 " L. Superior Elevator Co., Duluth, 

1,000 " Tacoma Coal Company, 

150 " North American Telegraph Co., . 

50 " First Nat'lB% Little Falls, Minn., 

70 " Strong-Hackett Hardware Co., . 

35 " Germania Bank, St. Paul, 

75 " Rutland Co. N'l B'k, Rutland, Vt., 

50 " Peoria Grape Sugar Co.. Peoria, Til., 

65 " First Nat'l B'k of Pembina, N. I)., 

25 " Scan. American Bank, St. Paul, . 

40 " St. Paul Title Ins. and Trust Co., 

62 " Pioneer Press Build. Co., St. Paul, 

43 " Bank of Sargent Co., N. D., stock, 

38 " Bank of Foreman, N. D., . 

10 " West Side Bank, St. Paul, . 

15 " Citizens' JSP1 B'k, Wahpeton, N. D., 

10 " State Bank, Cokato, Minn., . 

10 " First Nat'l Bank, Glencoe, Minn., 

87i « G't West. MTg Co., Duluth, Minn., 

Little Falls, Minn., Elec. and Water Co., bonds, 

Little Falls, Minn., Water Power Co., bonds, . 



$30,250 00 

12,317 00 

10,000 00 

15,000 00 

8,750 00 

7,000 00 

3,500 00 

10,500 00 

5,000 00 

8,125 00 

3,000 00 

4,000 00 

4,650 00 

4,300 00 

3,800 00 

1,000 00 

1,500 00 

1,000 00 

1,200 00 

2,625 00 

26,350 00 

26,500 00 



$20,700 00 

12,650 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

2,300 00 

7,500 00 

3,000 00 

5,500 00 

2,400 CO 

3,200 00 

3,000 00 

1,000 00 

1,000 00 

600 00 

700 00 

500 00 

800 00 

2,100 00 

18,500 00 

20,000 00 



Summary op Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate,f . 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 

Gross assets, 

Deduct special deposits in other States, . 



$325,252 00 $231,050 00 

31, 1893.* 

$176,900 00 

755,745 93 

30,480 10 

600,780 25 

231,050 00 

11,623 86 

94,148 99 

13,139 78 

131,163 58 

55,914 39 

207 00 

$2,101,153 88 

26,000 00 



Balance $2,075,153 88 






* The company holds, also, instalment premium notes to the amount of $166,572.51 which do 
not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sura consisting of u unearned pre- 
miums." 

t Value of lands mortgaged, $991,520 00 

Value of buildings thereon, 811,230 00 

Amount of insurance held as collateral, .... 609,225 00 



314 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



3101,862 29 

110,214 97 

6,578 84 

$218,656 10 
18,411 98 

$200,244 12 

925,719 49 

19,674 53 

81,145,638 14 
14,180 42 



Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



01,131,457 72 

$943,696 16 
500,000 00 

8443,696 16 



Gross cash income, .... 

Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, . 
Net cash paid for marine and inland losses, 



$119,186 57 
1,452,067 47 



$1,571,254 04 
131,163 58 

$1,440,090 46 
271,721 56 



$1,168,368 90 



$40,917 

360,962 10 

$401,879 67 

55,914 39 



•".,965 28 
49,589 00 



sources, . 



296,376 28 

46,678 69 

61,149 90 

5,237 82 

81,577,811 59 



6993,218 93 
139,999 92 

$367,201 16 
36,280 70 



$853,219 01 



330,920 46 



TEUTONIA FIRE INSURANCE CO. OF PHILADELPHIA. 315 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



$60,000 00 

517,591 33 

66,102 72 

27,518 04 

76,170 25 

,731,521 81 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, . . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



Premiums. 

$154,394,572 00 $1,724,398 70 
100,855,143 00 1,452,067 47 



1255,249,715 00 $3,176,466 17 
125,332,400 00 1,466,348 33 



$129,917,315 00 $ 1,710,1 17 84 
5,118,111 00 72,076 84 



$ 124,799,204 00 $1,638,041 00 

$4,275,794 00 $155,477 92 
35,948,983 00 360,962 10 



,224,777 00 $516,440 02 
36,279,873 00 362,369 84 



$3,944,904 00 $154,070 18 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, .... 



$17,161,521 00 

10,884,649 00 

883,519 00 

338,204 00 

1,146,694 00 

60,000 00 

150,100 00 



" TEUTONIA FIRE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated Aug. 7, 1871. Commenced business Sept. 1, 1871.] 

Paid-up Capital, $200,000. 

EUGENE FRAN8SEN, President. THOS. CHAMBERLIN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. ^Market Value. 

Pittsburg, Cincinnati & St. Louis R.R. bonds, . $12,000 00 §13,860 00 
Catawissa Railroad bonds, .... 10,000 00 11,350 00 



316 TEUTONIA FrRE INSURANCE CO. OF PHILADELPHIA. 



Schuylkill River Railroad bonds, 
Chicago & Western Indiana Railroad bonds, . 
North Pennsylvania Railroad bonds, 
Savannah & Western Railroad bonds, 
Georgia, Carolina & Northern Railroad bonds, 
Lehigh Valley Railroad bonds, 
Allegheny Valley Railroad bonds, . 
Baltimore Belt Railroad bonds, 



Par Value. 

$10,000 00 

5,000 00 

10,000 00 

15,000 00 

15,000 00 

10,000 00 

5,000 00 

20,000 00 



Market Value. 

110,650 

5,250 00 

10,050 00 

5,100 00 

1:5.275 00 

9,400 00 

25 00 

20,000 00 



8112,000 00 $104,000 00 



Securities held as collateral for cash loans : — 

Union Passenger Railway bonds, 
Union Passenger Railway stock, 



Market Value. Loaned Thereon. 



$2,07 
2,000 00 



I " ;1 - 



700 00 



$4,675 00 |3,700 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, 

Gross assets, 



31, 1893. 

895,300 00 

39,700 00 

455 36 

104,960 00 

3,700 00 

5 74 

10,629 25 

90 40 

4,258 23 

175 45 

936 00 



£ 260,290 43 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Rents paid in advance, .... 
Gross liabilities, except capital, 



81,993 40 . 

20,442 95 

21,990 87 

101 58 

439 89 

155 00 



45,123 69 



Surplus as regards policy-holders, 8215,166 74 

Paid-up capital, - ",000 00 

Surplus over capital, §15,166 74 

* Value of lands mortgaged, $34,000 00 

Value of buildings thereon, 58,400 00 

Amount of insurance held as collateral, . . . 38,600 00 



TEUTONIA FIRE INSURANCE CO. OF PHILADELPHIA. 317 



Income. 

Fire premiums outstanding Dee. 81, 1892, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash* paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, 



Gross cash expenditures, 



Risks and Premiu 



$4,541 40 
37,388 26 

$41,929 66 
4,258 23 

$37,671 43 
10,140 61 



sources, . 



. $818 71 



824,241 69 
4,432 58 



$588 00 



MS. 



Fire risks outstanding Dec. 31, 1892, . . $4,580,290 00 
Fire risks written during 1893, . . . 3,865,695 00 

Total, $8,445,985 00 

Deduct risks expired and terminated, . . 3,908,372 00 

In force at end of year, $4,537,613 00 

Deduct amount re-insured, .... 482,260 00 

Net amount in force, $4,055,353 00 

Perpetual risks in force (not included above), 1,062,510 00 

Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), . 
Company's stock owned by directors, .... 



$27,530 82 
1,938 20 
6,009 14 
2,241 41 

$37,719 57 



$19,809 11 
8,000 00 
5,604 28 
4,380 00 
2,446 59 
2,278 42 

$ 42,518 40 



Premiums. 

$43,239 31 
37,388 26 

$80,627 57 
36,337 97 

$44,289 60 
4,841 58 

§39,448 02 
24,434 30 



$504,468 00 

187,216 00 

21,180 00 

215,254 00 

8,000 00 

78,700 00 



318 



IN ION INSURANCE CO. OF PHILADELPHIA. 



"UNION INSURANCE COMPANY OF PHILADELPHIA," 
PHILADELPHIA, PA. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 

Paid-up Capital, $200,000. 

CO AS. 8. HOLLINSHEAD, President. E. R. DANNELS, Secretary. 



Detailed Statement of Stocks 



Chesapeake & Delaware Canal Co. bonds, 
American Steamship Company bonds, 
Susquehanna Coal Company bonds, 
Baltimore & Ohio Railroad bonds, . 
Steubenville & Indiana Railroad bonds, . 
Philadelphia & Reading Railroad bonds, 
New York Car Trust bonds, 
Shamokin, Sunbury & Lewisburg R.R. bonds, 
Bethlehem Iron Company bonds, 
Philadelphia & Reading Railroad bom 

Perkiomen bonds 

Huntington & Broad Top Car Trust, 
100 shares Little Schuylkill Railroad, 
200 
136 

48 

68 ' 



88 



Pennsylvania Railroad, . 
North Pennsylvania Railroad, 
Delaware Railroad, . 
Philadelphia National Bank, . 
Farmers' and Mechanics' Nat'l Bk., 
Delaware Insurance Company, 



Securities held as collateral for cash loans : — 

25 shares Corn Exchange National Bank, . 
United X. J. Railroad & Canal Company, . 
36 shares Commonw'lth Tit. Ins. & Trust Co., . 
10 " Pennsylvania Fire Insurance Co., 

5 " American Fire Insurance Company, . 
Philadelphia & Reading Railroad bonds, . 

Lee County, Iowa, bonds, 

50 shares 13th and 15th Streets Passenger Ry, 
23 " Union National Bank, 

5 " Susquehanna Ave. Bld'g Asso'n, 



and Bonds. 

Par Value. 

$15,000 00 

6,000 00 

10,000 00 

25,000 00 

15,000 00 

25,000 00 

25,000 00 

4,000 00 

2,000 00 

9,0<> 

13,000 00 

00 

5,000 00 

10,000 00 

00 

1,200 00 

6,800 00 

8,800 00 

2,200 00 



Market Value. 

6,120 00 
11,0 

28,250 00 
15,750 00 
30,125 00 
25,000 00 
-0 00 
00 

3,597 
12,870 00 

6,700 00 

9,600 00 

11,152 00 

1,488 00 

12,308 00 
8,888 00 
2,1."< 



$194,800 00 $204,609 50 



Market Value. Loaned Thereon. 



$1,825 00 
5,100 001 

2,520 00 I 

3,000 00 \ 
450 00 I 
835 00 J 

1,700 00 
10,500 00 

1,794 00 
165 00 



$1,500 00 



10,000 00 



1,000 00 

6,500 00 

1,200 00 

100 00 



$27,889 $20,300 00 



Summary of Assets Dec: 31, 1893. 
Cash value of unencumbered real estate, . $160,000 00 

Loans on mortgage of real estate (first liens*), 9,900 00 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$16,000 00 
7,000 00 



UNION INSURANCE CO. OF PHILADELPHIA. 



319 



Stocks and bonds, as per schedule, . . . $204,609 50 

Loans on collateral security, as per schedule, 20,300 00 

Cash in the office of the company, . . . 4,101 48 

Cash deposited in bank, 25,968 50 

Interest due and accrued, 1,760 83 

Premiums in course of collection (gross), . 70,352 27 

Rents due and accrued, 696 88 

Perpetual insurance deposit, .... 742 50 

Gross assets, 



$498,431 96 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Miscellaneous, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



$22,212 53 

21,767 02 

1,778 66 

$45,758 21 
2,315 95 

$43,442 26 

181,882 30 

33,453 26 

1,694 52 

16,274 56 

56 36 



$77,878 03 
5,663 17 

$72,214 86 
379,012 50 

$451,227 36 
70,352 27 

$380,875 09 
75,616 00 



sources, 



$673 92 



276,803 26 



$221,628 70 
200,000 00 

$21,628 70 



$305,259 09 

495 00 

12,934 38 

6,834 34 



$325,522 81 



320 UNITED FIREMEN'S INSURANCE CO. OF PHILADELPHIA. 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for expenses on real estate, 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



1257^26 67 

41,985 58 



$1,400 19 



$215,841 09 

07,885 48 

26,673 41 

10,041 67 

20,605 84 

4,<;:39 69 

1335,747 18 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 1,259,128 00 



$39,497,179 00 
33,892,411 00 



$73,389,590 00 
37,986,158 00 



$35,403,432 00 
972,650 00 

834,430,782 00 



Premiums. 

$425,706 26 
379,012 50 

|fi 4,718 76 

428,357 06 



$376,361 70 
10,725 12 

$365,636 58 
r.170 29 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Company's stock owned by directors, . 



$22,932,054 00 

. 16,600,107 00 

207,910 00 

. 1,876,221 00 

35,792 00 



"UNITED FIREMEN'S INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 2, 1860. Commenced business April 1, 1S61.] 

Paid-up Capital, $300,000. 
ROBERT B. BEATH, President. DENNIS J. SWEENEY, S-cr 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Philadelphia city bonds, $40,000 00 $40,400 00 

Northern Central Railroad bonds, . . . 10,000 00 11,700 00 

Chicago & Western Indiana Railroad bonds, . 10,000 00 11,600 00 

Zanesville & Ohio Railroad bonds, . . . 10,000 00 4,000 00 

Pennsylvania Equipment Trust Co. bonds, . 10,000 00 10,000 00 

Jacksonville, Tampa & Key West R.R. bonds, 10,000 00 9,500 00 



UNITED FIREMEN'S INSURANCE CO. OF PHILADELPHIA. 32 1 



Toledo Belt Line Railway bonds, 
Chattanooga Union Railroad bonds, 
Oregon Pacific Railroad bonds, 
McKeesport & Belle Vernon Railroad bonds, 
Atlantic City Railroad bonds, . 
Lehigh Valley Railway bonds, 
Philadelphia & Reading Railroad bonds, . 
The Mortgage Trust Co. of Penn. bonds, 
The Real Estate Title Ins. & Trust Co. bonds 
City of Woon socket, Dakota, bonds, 
150 shares Union Passenger Railway, 
200 shares Continental Passenger Railway, 
Penn. & New York Canal & R.R. bonds, . 
Car Trusts of New York, .... 
Evansville & Terre Haute R.R. bonds, 
City of Spokane warrants, 



Securities held as collateral for cash loans : — 

50 shares 13th and 15th Streets Passenger R'y, 

20 " Bucks County Trust Company, 

12 " New Hope Delaware Bridge Co., . 

10 " Title Guarantee & Trust Co., N. Y., 
125 " Philadelphia Traction Company, . 

30 " Real Estate Title Ins. & Trust Co., 

27 " National Gas Trust, 

25 " Real Estate Title Ins. & Trust Co., 
200 " Texas Pacific Railroad Company, . 
800 " People's Traction, . 
200 " Baltimore Traction, 
People's Passenger Railway, . 
Columbus Gas Company, 
100 shares Record Publishing Company, 
100 " Chestnut Street National Bank, 
200 " Metropolitan Traction Company, 
150 " Philadelphia Traction Company, 
Consolidated Traction Company bonds, . 



Par Value. 

$10,000 00 
15,000 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
20,000 00 
6,000 00 
7,500 00 
20,000 00 
20,000 00 
21,000 00 
10,000 00 
11,078 00 



Market Value. 

$10,000 00 
12,500 00 

1,000 00 
12,000 00 
20,000 00 
19,400 00 
10,300 00 
10,000 00 
20,000 00 

6,300 00 
29,700 00 
24,600 00 
18,200 00 
19,760 00 
10,000 00 
11,078 00 



1310,578 00 $322,038 00 

Market Value. Loaned Thereon. 

$10,000 00 >| 

2,500 00 

1,500 00 

1,600 00 j> $24,000 00 
10,875 00 

3,750 00 

3,500 00 J 

3,125 00 2,300 00 

1,400 00^ 
22,000 00 I 

3,200 00 }» 20,000 00 
800 00 j 

8,280 00 J 
15,000 00 
10,000 00 
19,600 00 
13,500 00 

4,200 00 



15,000 00 



30,000 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 



$134,830 00 $91,300 00 

31, 1893. 

$127,350 00 

631,806 50 

11,596 72 

322,038 00 

91,300 00 

2,860 93 



Total value of property mortgaged, 
Amount of insurance held aa collateral, 



$1,285,900 00 
451,581 00 



322 UNITED FIREMEN'S INSURANCE CO. OF PHILADELPHIA. 



Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Perpetual insurance deposit, etc., 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reelaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 

Deposits received for perpetual fire ri s 

Gross cash income, .... 



835,090 21 
3,57 

$62 80 

1,170 00 

12.0 CG 

3,001 37 



$1,2'.' 



? 14,552 53 

20,677 59 

7,574 89 

213,238 08 

027,353 39 

602 52 

4,157 66 

18,300 54 

11,228 90 

209 01 



$46,420 97 
376,965 00 



|423,385 97 
64,862 80 

$358,523 17 
64,344 92 



sources, . 
$47,843 26 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees. 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$19,654 90 



917,961 71 



$376,878 10 
300,000 00 

$76,878 10 



$294,17- 
35,199 39 
18,202 18 
1,353 55 



£348,933 37 

$226,069 47 
1S,000 00 
66,817 93 
19,526 90 

9,47 
25.072 95 

$364,965 53 



UNITED STATES FIRE INSURANCE CO. 



323 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$37,471,044 00 
33,003,612 00 



$70,474,656 00 
31,256,515 00 



$39,218,141 00 
3,125,060 00 



Premiums. 

$412,866 37 
376,965 00 

$789,831 37 
334,785 82 

$455,045 55 
34,055 76 



Net amount in force $36,093,081 00 $420,989 79 

Perpetual risks in force (not included above), 30,352,394 00 693,288 26 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$3,090,281 00 

1,969,671 00 

228,089 00 

332,506 00 

18,000 00 

83,800 00 



"UNITED STATES FIRE INSURANCE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April 1, 1824. Commenced business April 9, 1824.] 

Paid-up Capital, $250,000. 

W. W. UNDERHILL, President. W. H. GRIFFEN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. 

$62,000 00 



United States bonds, 

Rensselaer & Saratoga Railroad stock, 



17,800 00 



Market Value. 

$70,060 00 
31,150 00 



$79,800 00 $101,210 00 



Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate (first liens*), $449,000 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in office of the company and in bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets,f 

Deduct special deposits in other States, . 



Balance, 



3,221 24 

101,210 00 

14,991 71 

882 00 

81,719 00 



$651,023 95 
15,600 00 



$635,423 95 



* Value of lands mortgaged $303,000 00 

Value of buildings thereon 600,500 00 

Amount of insurance held as collateral, 488,200 00 

t Including $125,000 special reserve fund held under New York law. 



324 



UNITED STATES FIRE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due for borrowed money, 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$40,158 73 

13,328 00 

5,170 00 

205,079 42 

2,222 49 

10,732 17 

13,334 51 

15,084 26 

$311,109 58 
4,735 72 






$329,050 09 
250,000 I 



Surplus over capital, $79,050 09 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, 

Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 



Gross cash income, 



$58,558 70 

984 29 

f 57,574 41 

455,939 71 



$513,514 12 
77,779 00 

$435,735 12 
106,217 15 

$1,080 00 
154 68 

25 32 

25,733 86 

$26,659 18 
3,940 00 

$22,719 18 

2,077 '26 



sources, 



$329,517 97 



20,641 92 

27,318 38 

900 70 

135 00 



$378,513 97 



UNITED STATES FIRE INSURANCE CO. 



325 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, . 

Gross cash expenditures, .... 



$241,156 21 
19,495 38 



$13,323 52 
6,315 45 



$221,660 83 



7,008 07 
25,000 00 
81,017 91 
24,053 59 

8,490 70 
42,834 78 



$410,095 88 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . .$49,733,748 00 $440,70105 



Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated. 

In force at end of j T ear, 
Deduct amount re-insured, 

Net amount in force, 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



. 43,070,723 00 455,939 71 



$92,804,471 00 $896,640 76 
43,906,547 00 397,537 12 



$48,897,924 00 $499,103 64 
13,881,113 00 148,204 25 



. $35,016,811 00 $350,999 39 

. $273,566 00 $9,065 25 
802,765 00 25,733 86 



,076,331 00 $34,799 11 
424,444 00 13,241 81 



$651,887 00 $21,557 30 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$5,095,584 00 

2,719,368 00 

245,778 00 

11,360 00 

1,802,659 00 

25,000 00 

50,225 00 



32(5 



UNITED STATES LLOYDS, NEW YORK. 



UNITED STATES LLOYDS, NEW YORK, N. Y. 

[Commenced business December, 1872.] 

Higgin8, Cox & Bakrett, Attorneys. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $ 50,000 00 $55,000 00 

City of New York bonds, 100,000 00 108*500 00 

City of Boston bonds, 50,000 00 57,000 00 

City of St. Louis bonds, 50,000 00 50,000 00 

City of Cincinnati bonds 50,000 00 50,000 00 

West Shore Railroad bonds, .... 50,000 00 50,000 00 

Chicago, Rock Island & Pacific Railroad, . 50,000 00 47,500 00 

Atlantic Mutual Insurance Company scrip, . 26,030 00 26,030 00 



$426,030 00 $438,030 00 



Securities held as collateral for cash loans : — 



New Y r ork Central & Hudson River Railroad, 

Consolidated Gas Company of New York, 

New l^ork & Harlem Railroad, 

Fourth National Bank, .... 

Illinois Central Railroad bonds, 

Home Insurance Company stock, 

Long Island Loan and Trust Company, . 

Lewis & Fowler Manufacturing Co. stock, 

Lewis & Fowler Girder Railroad stock, . 

Long Island Traction Company, 



Market Value. 

$29,400 00 n 
12,300 00 i 
14,250 00 ) 
19,500 00 
33,250 00 
4,900 00} 
2,200 00 | 
8,500 00 ( 
5,625 00 j 
5,700 00 



Loaned Thereon. 

$35,000 00 

15,000 00 
25,000 00 

17,950 00 
2,700 00 



$135,625 00 $95,650 00 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross), 
Notes taken for marine risks, . 

Re-insurance, 

Gross assets, 

Liabilities. 

Amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., . 

Trust funds, 

Commissions and brokerage, . 



31, 1893. 

$138,030 00 

95,650 00 

2,000 00 

127,393 26 

8,965 35 

176,765 69 

14,050 36 

52,702 08 



$146,895 00 

98,668 89 

1,642 00 

344 64 

12,917 00 



$915,550 74 



UNITED STATES LLOYDS, NEW YORK. 327 

Re-insurance, $11,500 00 

Re-insurance and rebates, .... 11,985 62 

Gross liabilities, $283,953 15 



Surplus, $631,603 59 

Income. 

Marine premiums outstanding Dec. 31, 1892, . $120,873 34 
Premiums on risks written or renewed, . . 1,445,725 02 



Total, $1,566,598 36 

Premiums now in course of collection, . . 98,668 89 



Entire premiums collected, .... $1,467,929 47 
Less re-insurance and return premiums, . . 1,059,907 37 

Net cash marine premiums received, . . $408,022 10 

Interest and dividends received from all sources, . . . 25,520 42 
Income from commissions and discounts, .... 108,348 48 



Gross cash income, $541,891 00 

Expenditures. 

Cash paid for marine losses, .... $796,828 81 
Deduct salvage and re-insurance, . . . 446,019 43 

Net cash paid for marine losses, . . . $350,809 38 

Cash dividends paid, 50,000 00 

Cash paid for commissions and brokerage, .... 58,412 55 

Cash paid for salaries and taxes, 51,632 40 

Profit and loss account, 4,766 08 

Gross cash expenditures, $515,620 41 

Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1892, . $6,970,938 00 $120,873 34 

Marine risks written during 1893, . . 226,666,447 00 1,445,725 02 

Total, $233,637,385 00 $1,566,598 36 

Deduct risks expired and terminated, . 225,851,032 00 1,467,929 47 



In force at end of year $7,786,353 00 $98,668 89 

Deduct amount re-insured, . . . 1,487,997 00 55,244 81 



Net amount in force, .... $6,298,356 00 $43,424 08 

Miscellaneous. 

Marine losses incurred during the year, $930,244 00 

Dividends declared during the year, 50,000 00 



328 



WESTCHESTER FIKE INSURANCE CO. 



" WESTCHESTER FIRE INSURANCE COMPAN Y," NEW YORK, N. Y. 

[Incorporated as mutual March 14, 1837. Commenced business aa joint-stock Jan. 1, 1870 ] 

Paid-up- Capital, $300,000. 
GEO. R. CRAWFORD, President. JOHN Q. UNDERBILL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States consols $75,000 00 $84,750 00 

Richmond, Va., bonds, 15,000 00 15,500 00 

N. Y., Lake Erie & Western Railroad bonds, . 20,000 00 15,000 00 

Chicago, Burlington & Quincy R.K. bonds, . 20,000 00 17,500 00 

St. Joseph & Grand Island Railroad bonds, . 20,000 00 13,500 00 

Housatonic Railroad bonds, .... 20,000 00 22,500 00 

Philadelphia & Reading Railroad bonds, . 25,000 00 17,000 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 20,000 00 13,200 00 

Chesapeake & Ohio Railroad bonds, . . 20,000 00 20,600 00 

N. Y , West Shore & Buffalo' Railroad bonds, . 20,000 00 20,800 00 

N. Y., Ontario & Western Railroad bonds, . 10,000 00 10,700 00 

Western Union Telegraph bonds, . . 10,000 00 10,500 00 

New York & Harlem Railroad stock, ! . 60,000 00 156,000 00 

Albany & Susquehanna Railroad stock, . . 40,000 00 66,000 00 

Rensselaer & Saratoga Railroad stock, . . 50,000 00 87,000 00 

N. Y., Lackawanna & Western R.R. stock, . 80,000 00 90,000 00 

Long Island Railroad stock, .... 50,000 00 ,000 00 

N. Y. Central & Hudson River R.R. stock, . 50,000 00 40,000 00 

Rome, Waterrown & Ogdensburg R.R. stock, 50,000 00 55,000 00 

Delaware & Hudson Canal stock, . . . 30,000 00 39,000 00 

Consolidated Gas stock, 50,000 00 62,000 00 

Underwriters 1 Salvage Co. stock, . . . 1,000 00 10 00 



$736,000 00 $916,550 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 
Premiums more than 3 months due, $8,860 75 

Gross assets, 

Deduct special deposits in other States, . 



$217,500 00 
289,150 00 
2,501 24 
916,550 00 
199,009 91 
187,977 62 



$1,812,688 77 
100,250 00 



Balance $1,712,438 " 

* Value of lands mortgaged $364,410 00 

Vajue of buildings thereon, 373,290 00 

Amount of iusurance held as collateral, . . . . 32S.700 00 



WESTCHESTER FIRE INSURANCE CO. 



329 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . . . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus oyer capital, .... 



$50,253 27 

97,609 50 

1,750 00 

$149,612 77 
3,781 54 

$145,831 23 

1,012,507 39 

35,740 17 

$1,194,078 79 
36,402 33 



$1,157,676 46 



$554,762 31 
300,000 00 



$254,762 31 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 



$149,529 41 
1,382 41 



$148,147 00 
1,521,018 12 



$1,669,165 12 
196,838 37 



Entire premiums collected, . . . . $1,472,326 75 
Less re-insurance and return premiums, . . 133,195 61 

Net cash fire premiums received, . . . 

Interest received on mortofag'es, 

Interest and dividends received from all other sources, . 
Income from rents, 



$1,339,131 14 

16,597 92 

41,929 96 

905 96 



Gross cash income, $1,398,564 98 



Expenditures. 

Cash paid for fire losses, . • . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 



$848,472 79 
60,724 03 



$787,748 76 
30,000 00 

279,238 69 
43,946 68 
26,197 13 

149,058 04 



$1,316,189 30 



330 



THE WESTERN INSURANCE CO. OF PITTSBURGH. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$178,824,906 00 $1,815,862 80 
134,092,017 00 1,521,018 12 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$312,916,923 00 $3,336,880 92 
122,135,854 00 1,288,288 30 



$190,781,069 00 $2,048,592 62 
6,680,846 00 79,533 49 



$184,100,223 00 $1,969,059 13 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$18,307,595 00 

10,155,934 00 

829,319 00 

648,000 00 

30,000 00 

106,000 00 



"THE WESTERN INSURANCE COMPANY OF PITTSBURGH/' 

PITTSBURGH, PA. 

[Incorporated March 20, 1849. Commenced business May I, 1849.] 

Paid-up Capital, $300,000. 

ALEXANDER NIMICK, President. WM. P. HERBERT, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $30,000 00 

Allegheny County bonds, 20,000 00 

Pittsburgh Junction Railroad bonds, . . 18,000 00 

Pittsburgh & Western Railroad bonds, . . 10,000 00 

100 shares Pittsburgh & Western Railroad, . 5,000 00 

Lawrence Railroad bonds, .... 1,000 00 

Pittsburgh & Allegheny Bridge Co. bonds, . 15,000 00 

Wilkinsburo- Borough bonds, .... 30,000 00 

Braddock Township school bonds, . . . 7,500 00 

New Brighton school bonds, .... 10,000 00 

German Protestant Evangelical Church, . 8,000 00 



Market Value. 

$33,750 00 

20,000 00 

20,880 00 

8,450 00 

1,350 00 

1,030 00 

15,525 00 

30,600 00 

20 00 

10,150 00 

8,2-10 00 



$154,500 00 $157,595 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $62,000 00 

Loans on mortgage of real estate (first liens*), 169,375 00 

* Value of lands mortgaged $209,300 00 

Value of buildings thereon, 330,000 00 

Amount of insurance held as collateral 149,800 00 



THE WESTERN INSURANCE CO. OF PITTSBURGH. 



331 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$2,479 00 
157,595 00 

827 55 
13,840 80 

370 00 
24,276 33 



$7,705 40 
8,477 56 
1,850 00 

97,972 45 

175 00 

3,282 07 



$430,763 68 



119,462 48 

1311,301 20 
300,000 00 

$11,301 20 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



$21,428 81 
172,893 35 



Total, $194,322 16 

Premiums now in course of collection, . . 24,276 33 

Entire premiums collected, .... $170,045 83 
Less re-insurance and return premiums, . . 23,521 05 

Net cash fire premiums received, . . . 

Cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



$146,524 78 

285 61 

8,419 62 

7,188 00 

1,000 00 



Gross cash income, $163,418 01 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . . 
for incidentals, .... 

Gross cash expenditures, .... 



$107,151 60 
3,386 84 



$103,764 76 

120 29 

25,394 17 

8,338 29 

4,167 76 

6,060 90 



$147,846 17 



332 



WILLI AMSBURGH CITY FIRE INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire ri.sks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1893, . 
Deduct risks expired and terminated, 



$17,320,681 00 
14,868,474 00 



Premiums. 

$194,274 97 

172,89.; 



132,195,155 00 

ir,, 131,868 00 



116,763,287 00 
375,084 00 



$367,16- 
172,369 20 

$194,799 12 
4,148 04 



$16,388,203 00 $190,651 08 



$34,846 00 
34,816 00 



Miscellaneous. 



Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Company's stock owned by directors, .... 



$285 61 
285 61 



$3,650,443 00 
6,193 00 

96,854 00 

120 00 

890,500 00 

65,750 00 



"WILLI AMSBURGH CITY FIRE INSURANCE COMPANY," 

BROOKLYN, N. Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 

Paid-up Capital, $250,000. 

MARSHALL S. DRIGGS, President. FRED'K H. WAY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Richmond, Va., bonds, . . . •. . $12,500 00 $12,500 00 

Georgia State bonds, 25,000 00 28,750 00 

Calvary Cem., Greenp't & B'klyn R.R. bonds, 2,000 00 00 

Long Island Bank, Brooklyn, stock, . . 10 : 000 00 14,000 00 

First National Bank, Brooklyn, stock, . . 5,000 00 22,500 00 

People's Gas Light Co., Brooklyn, stock, . 13,000 00 11,050 00 

Metropolitan Gas Light Co., Brooklyn, stock, 5,000 00 00 

Dry Dock, East B'way & Battery R.R stock, . 20,000 00 26,000 00 

Kings County Trust Co., Brooklyn, stock, . 9,000 00 24,300 00 

Brooklyn City Railroad stock, . 100,000 00 162,000 00 

New York & New Jersey Telephone Co. stock, 10,000 00 9,500 00 

Brooklyn & New York Ferry Company stock, 5,000 00 9,200 00 

Second Ave. Railroad Co. of N. Y. stock, . 18,000 00 21,600 00 



WILLIAMSBURGH CITY FIRE INSURANCE CO. 



333 



Brooklyn Trust Company stock, 
Kinth Ave. Railroad Company of N. Y. stock, 
C, C, C. & St. Louis Railroad Company stock, 
Union Ferry Company of Brooklyn stock, 
Long Island Traction Co. of Brooklyn stock, 



Securities held as collateral for cash loans : — 

Title Guarantee & Trust Company stock, 
Amphion Academy stock, .... 

Second Avenue Railroad stock, 



Par Value. 

$3,000 00 

5,000 00 

10,000 00 

2,000 00 

225,000 00 



Market Value. 

$13,200 00 

6,500 00 

3,375 00 

1,300 00 

45,000 00 



$479,500 00 $420,275 00 



Market Value. Loaned Thereon. 

$6,800 00 $5,000 00 
250 00 > 
480 00 60 ° 00 



$7,530 00 $5,600 00 



Summary of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $629,000 00 

Loans on mortgage of real estate (first liens*), 322,150 00 

Interest due or accrued thereon, . . . 1,314 16 

Stocks and bonds, as per schedule, . . . 420,275 00 

Loans on collateral security, as per schedule, . 5,600 00 

Cash in the office of the company, . . . 3,543 06 

Cash deposited in bank, 8,317 08 

Interest due aud accrued, 4,526 96 

Premiums in course of collection (gross), . 74,914 52 

Rents due and accrued, ...... 7,570 38 

Re-insurance, 16 36 

Premiums more than 3 months due, $1,108 55 

Gross assets,f 

Deduct special deposits in other States, 



,477,257 52 
41,250 00 



Balance, $1,436,007 52 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



$11,035 86 

42,402 20 

9,884 52 

$63,322 58 
3,995 46 

$59,327 12 
482,733 08 



♦Value of lands mortgaged $275,500 00 

Value of buildings thereon, 295,500 00 

Amount of Insurance held as collateral, .... 2S8.800 00 

f Including $280,000 special reserve fund held under New York law. 



334 



WILLIAMSBURG H CITY FIRE INSURANCE CO. 



Dividends to stockholders unpaid, . 
Due for borrowed money, 
State and local taxes, 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 



$80 00 

73,000 00 

2,486 69 

11,735 77 

504 97 

8629,867 63 
16,687 75 



$613,179 88 

$822,827 64 
250,000 00 



Surplus over capital, $572,827 64 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, . 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 



Gross cash income, 



$71,893 12 
4,952 09 



$66,941 03 
640,525 39 



$707,466 42 
76,023 07 



$631,443 35 
69,151 36 



sources, 



$562,291 99 
16,310 29 
12,362 06 
41,206 98 



$632,171 32 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for expenses on real estate, 

Gross cash expenditures, .... 



$395,872 72 
28,640 80 



$367,231 92 
49,920 00 
134,754 46 
60,740 00 
6,075 83 
39,228 72 
19,768 77 

$677,719 70 



WILLIAMSBURG!! CITY FIRE INSURANCE CO. 



335 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$123,375,204 00 
77,337,249 00 

$200,712,453 00 
80,115,584 00 

$120,596,869 00 
4,534,644 00 



Premiums. 

$983,722 56 
640,525 39 

1,624,247 95 
638,618 32 

$985,629 63 
38,426 63 



$116,062,225 00 $947,203 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, .... 



$13,728,411 00 

7,215,541 00 

364,005 00 

1,352,500 00 

50,000 00 

84,950 00 



AGGREGATE. 



( 'apital Stock. 
Capita] actually paid up in cash. . 
Scrip outstanding, .... 



Gross present assets, 



Asskts. 



LIABILITIES. 

Gross present liabilities, 

Income. 
h actually received for fire premiums, 
for marine and inland premiums, . 
for interest and dividends from all soure. 
from all other sources, . 

(iross cash income, 

Expenditures. 

(ash actually paid during the year for fire loss 
for marine and inland losses, 
for dividends to stockhold- 
er redemption of scrip, .... 
for interest to scrip-holders, .... 
for brokerage and commission on premium-, 
for salaries and pay of officers and employees, 
. for State and local taxes, .... 
for office, agency and incidental expenses, . 

Gross cash expenditures, 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine and inland risks written during 1 the year 
premiums charged or receivable thereon, 
tire risks terminated during the year, 
marine and inland risks terminated, . 
fire risks outstanding at end of year, . 
marine and inland risks outstanding, . 
cash dividends declared during the year, 
tire losses incurred during the year, . 
marine losses incurred during the year, 



141,222,912 00 



$163,083,84." 



$82,641,382 00 



$74,079,031 
7.564,45 

1 00 



$89,060,354 00 


$49,988,865 00 


18,655 00 


4,687.148 00 


1,285,761 00 


479,07.: 


14,674,566 00 


5,993,261 00 


"1,052 00 


5,869,930 00 



$90,579,511 00 



$8,758,242,60, 
95,324,181 00 
1,568,037 

10,485,060 00 

8,385,758,836 00 

1,581,405,826 00 

10,694,643,636 00 

167.4it4.542 00 

4,711.017 
51,652,748 
6,328.489 00 



UNITED STATES BRANCHES OF 

FOBEIGN FIEE AND MAEINE 

INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1893. 



338 



ATLAS ASSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE "ATLAS ASSURA.v 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
J. M. NEUBURGER, General Manager. 

Office, Chicago, III. 



Detailed Statement of Stocks and Bonds. 

I'ar Value. 

United States bonds, $300,00' 

Boston city bonds, 180,000 00 

Fitchburg Railroad bonds, .... 80,000 00 

Pennsylvania Railroad bonds, .... 25,000 00 

N. Y. Central & Hudson River R.R. bonds, . 25,000 00 



Market Value. 

$339,000 00 

189,900 00 

80,200 00 

29,500 00 
",000 00 



J,000 00 $603,600 00 



Summary of Assets Dec. 31, 1893. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



Unadmitted. 



Special deposit in other States. 
Cash not in control of trustees, 



|603,600 00 

3,17. 

48,529 74 

6,043 34 

96,804 72 



8113,000 00 
26,701 76 



$758,149 82 



139,7' 



Balance $618,448 06 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 



Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 



$38,833 92 

24,729 50 

7,100 00 

$70,663 42 

2,468 68 

$68,194 74 
309,098 58 



ATLAS ASSURANCE CO. 



339 



State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



$15,000 00 
37,726 77 



$430,020 09 
27,327 76 



$402,692 33 



Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $87,482 94 
Same not collected, 1,362 47 

Net collected, ...... $86,12047 

Premiums on risks written or renewed, . . 678,246 40 

Total, $764,366 87 

Premiums now in course of collection, . . 96,804 72 

Entire premiums collected, .... $667,562 15 
Less re-insurance and return premiums, . . 189,879 78 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . . . 



$215,755 73 
200,000 00 

$15,755 73 



$477,682 37 
22,312 88 



Gross cash income, $499,995 25 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



$290,778 58 
16,636 94 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$28,611,815 00 

49,794,501 00 

$78,406,316 00 

31,518,233 00 



$46,888,083 00 
6,654,809 00 



$274,141 64 

106,091 51 

20,964 08 

7,156 31 

19,636 85 

$427,990 39 



Premiums. 

$409,274 00 
678,246 40 

$1,087,520 40 
413,178 80 

$674,341 60 
117,350 38 



$40,233,274 00 $556,991 22 



Miscellaneous. 
Fire losses incurred during the year, 



$294,318 00 



340 



BRITISH AMERICA ASSURANCE CO. 



UNITED STATES BRANCH OF THE "BRITISH AMERICA ASSUR- 
ANCE COMPANY," TORONTO, CANADA. 

Deposit Capital, $305,000. 

FREDERICK B. CARPENTER, Resident Manager. 

Office, 13 Central Street, Boston. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $305,000 00 $341,950 00 

New York & West Shore Railroad bonds, . 50,000 00 52,000 00 

Ohio State bonds, 100,000 00 105,000 00 

Georgia State bonds 25,000 00 28,250 00 

City of Richmond, Va., bonds, .... 25,000 00 23,750 00 

City of Toronto, Canada, bonds, . . . 90,125 00 90,125 00 

City of London, Canada, bonds, . . . 135,000 00 135,000 00 

Central Canada Loan and Savings Company,. 15,000 00 15,000 00 

Dominion of Canada stock, .... 12,00C 00 12,54000 



Summary of Assets Dec. 

Loans on mortgage of real estate, . 
Stocks and bonds, as per schedule, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than 3 months due, $1,348 31 
Gross assets, 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



8757,125 0') 5 00 

31, 1893. 

$60,000 00 

803,615 00 

15,910 04 

5,852 50 

219,41."- 

4,148 52 

81,108,936 87 

$157,000 00 
5,910 04 
162,91 



Balance, 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



?39,755 06 
97,117 01 

7,225 00 

? 144,097 
11,423 43 

6132,673 64 
519,462 52 



BRITISH AMERICA ASSURANCE CO. 



341 



Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, . 

Surplus over capital, . . 



$38,618 77 

16,991 89 

2,815 58 

$710,562 40 
72,533 37 



$638,029 03 

$307,997 80 
305,000 00 

$2,997 80 



Income. 

Fire premiums outstanding Dec. 31,1892, . $132,589 51 
Same not collected, ...... 289 76 



Net collected, $132,299 75 

Premiums on risks written or renewed, . . 1,115,306 23 

Total, $1,247,605 98 

Premiums now in course of collection, . , 209,448 81 

Entire premiums collected, . . . $1,038,157 17 

Less re-insurance and return premiums, . . 207,100 40 

Net cash fire premiums received, . . . $831,056 77 

Marine premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, . . 109,300 67 

Interest and dividends received from all sources, . . . 26,359 70 



$3,696 74 
137,925 35 

$141,622 09 
15,458 83 

$126,163 26 
16,862 59 



Gross cash income, $966,717 14 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 

for salaries of oflScers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . . , 



$536,040 85 
29,247 42 

$96,787 40 
2,891 38 



$506,793 43 



93,896 02 

197,763 85 

18,042 41 

19,734 30 

64,038 36 

$900,268 37 



342 



BRITISH AND FOREIGN MARINE INSURANCE 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$03,065,909 00 
81^14,603 00 

$144,880,512 00 
66,074,662 00 

$78,805,850 00 
1379,629 00 



Premiums. 

|776,19 
Tfllt 

11391^00 46 

890,0 1 ; 

$1,000382 



$70,926,221 00 $971,0' 



$798,172 00 
14. 

$14,879,129 00 
12,052,794 00 



•21,72 

137,925 35 



f 159,653 87 
123,413 63 



$2,826,335 00 $36,24 



Miscellaneous. 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 



$563,254 00 
116,986 00 



UNITED STATES BRANCH OF THE "BRITISH AND FORE] 
MARINE INSURANCE COMPANY (LIMITED)," LIVERPOOL, 
ENGLAND. 

Deposit Capital, $504,840. 
FRANK GAIR MACOMBER, New England Manager. 



Detailed Statement of Stocks 



United States bonds, .... 

Boston & Lowell Railroad bonds, 
Fitchburg Railroad bonds, 
Boston, Clinton, Fitch. & N. Bedf d R R. bonds 
Providence & Worcester Railroad bonds, 
Old Colony Railroad bonds, 
Eastern Railroad bonds, .... 
Allegheny Valley Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Chicago, Mil. & St. Paul Railroad bonds, 
Brooklyn city bonds, .... 

New York city bonds, .... 



and Bond-. 

Par Value. 

5,000 00 

I 00 
80,000 00 
2,000 00 
50,000 00 
52,000 00 
2", 840 00 
100,000 00 
39.000 00 
75,000 00 
42,000 00 
58,000 00 



Market Value. 

$255,375 00 
101,333 33 

; ." 

70 00 

53.7 " 

54,553 33 
24357 76 

118,00' 
42,12" 
-2.125 00 
42.630 00 

58,435 



1843,840 00 |914,949 42 



Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate, . . . $50,000 00 
Stocks and bonds, as per schedule, . . . 914,949 42 



BRITISH AND FOREIGN MARINE INSURANCE CO. 



343 



Cash in the office and in bank, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Premiums more than 3 months due, $3,836 18 
Gross assets, 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



Liabilities. 



Balance, 

Losses adjusted and reported, 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Unused balances of premium notes, 
State and local taxes, .... 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$70,027 40 

256,628 58 

6,198 30 

4,162 90 



Gross cash income, 



$1,301,966 60 



§ 19 1,875 00 
70,027 40 



261,902 40 
§ 1,040,064 20 



$195,051 94 
20,528 00 

§215,579 94 
36,836 89 

$178,743 05 

293,852 46 

2,971 22 

3,021 76 

17,818 63 

58,080 16 

§554,487 28 
2,666 03 



Impairment of capital,* .... 

Income. 

Marine premiums outstanding Dec. 31, 1892, . $221,508 41 

Same not collected, 3,870 16 

Net collected, $217,638 25 

Premiums on risks written or renewed, . . 1,895,799 01 

Total, §2,113,437 26 

Premiums now in course of collection, . . 260,464 76 

Entire premiums collected, .... $1,852,972 50 

Less re-insurance and return premiums, . . 597,568 64 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Remittance from home office, .... $259,895 73 



551,821 25 

$488,242 95 
504,840 00 

$16,597 05 



$1,255,403 86 
46,091 38 

$1,301,495 24 



* Since rendering its annual statement, there have been deposited with the trustees $50,000 
City of Richmond, Va., city bonds. 



344 



CALEDONIAN INSURANCE CO. 



Expenditures. 

Cash paid for marine and inland losses, . . $918,524 14 
Deduct salvage and re-insurance, . . . 430,404 66 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

Remitted to home office, $789,887 61 

Gross cash expenditures, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$17,762,459 00 

368,972,899 00 

$386,735,358 00 

361,738,819 00 

$24,996,539 00 

7,339,735 00 



$488,119 48 

100,590 87 

83,295 04 

29,184 81 



$761,190 20 



Premiums. 

1244,995 45 

1,895,799 01 

52,140,794 46 
1,814,026 21 

$326,768 25 
86,997 81 



Net amount in force, 



$17,656,804 00 $239,770 44 



Miscellaneous. 
Marine and inland losses incurred during the year, 



$531,881 00 



UNITED STATES BRANCH OF THE " CALEDONIAN INSUR- 
ANCE COMPANY," EDINBURGH, SCOTLAND. 

Deposit Capital, $200,000. 

TFIOMAS F. GOODRICH, ) 

GEO. C. HOWE, y Resident Managers. 

CHARLES H. POST, j 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States registered bonds, . . . $300,000 00 $340,500 00 

Lehigh Valley Railroad bonds, . . . . 50,000 00 62,500 00 

Allentown Terminal Railroad bonds, . . 50,000 00 50,000 00 

Richmond & Petersburg Railroad bonds, . . 50,000 00 50,000 00 

Penn. and New York Canal & R.R. bonds, . 100,000 00 100,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 42,750 00 

New York, Chicago & St. Louis R.R. bonds, . 50,000 00 48,625 00 

St. Paul, Minn. & Manitoba R.R. bonds, . . 150,000 00 146,000 00. 

City of Richmond, Va., bonds, .... 22,500 00 20,925 00 



CALEDONIAN INSURANCE CO. 



345 



New York city bonds, .... 
Georgia State bonds, .... 

Lake Erie & Western Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Fremont, Elkhorn & Mo. Val. R.R. bonds, 
Albany & Susquehanna Railroad bonds, . 
Philadelphia, Wilmington &Balto. R.R. bonds 
Central Railroad of N J. bonds, 
Jersey City (N. J.) bonds, 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Gross assets, 

Unadmitted. 
Special deposits in other States, • . 
Cash not in control of trustees, . 



Par Value. 

$200,000 00 
25,000 00 
30,000 00 
25,000 00 
15,000 00 
15,000 00 
50,000 00 
100,000 00 
34,000 00 



Market Value. 

$200,000 00 
25,000 00 
33,900 00 
29,000 00 
18,750 00 
19,350 00 
50,000 00 
110,500 00 
38,870 00 



$1,316,500 00 $1,386,670 00 

31, 1893. 

$50,000 00 

1,386,670 00 

2 98 

94,454 42 

8,100 00 

337,242 85 

3,029 08 

$1,879,499 33 



$209,425 00 
2 98 



209,427 98 



Balance, $1,670,071 35 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$265,591 13 

1,183,119 82 

60,370 92 

1,358 59 

$1,510,440 46 
90,307 87 



1,420,132 59 



$249,938 76 
200,000 00 

$49,938 76 



$269,200 22 
2,168,076 18 

$2,437,276 40 
337,242 85 



$2,100,033 55 
489,308 35 



,610,725 20 



346 COMMERCIAL UNION ASSURANCE CO. ( LIMITED). 

Interest received on mortgages, ...... 13,000 00 

Interest and dividends received from all other sources, . 



Gross cash income, £] : -j.'j 

Expenditures. 

Cash paid for fire losses, $1,339,882 37 

Deduct salvage and re-insurance, . . . 138,960 78 

Net cash paid for fire losses, .... $1,20«',921 59 

Cash paid for commissions and brokerage, .... 323,107 

for salaries of officers and employees, . . . 114,<Kj 17 

for State and local taxes, 50,449 14 

for incidentals, 112,700 01 



Gross cash expenditures, fl,8o: 

Risks and Premium-. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $282,201,879 00 $2324,473 63 
Fire risks written during 1893, . . 194,780,538 00 2,168,076 



Total $477,<»72,417 00 $4,992,549 81 

Deduct risks expired and terminated, . 232,889,764 00 2,530,452 09 



In force at end of year 53 00 $2,462,097 72 

Deduct amount re-insured, . . . 9,613,798 00 135,312 21 



Net amount in force, . , . . f 234,568,855 00 $2,326,785 5 i 

Miscellaneous. 
Fire losses incurred during the year, $1,214,332 00 



UNITED STATES BRANCH OF THE "COMMERCIAL UNION 
ASSURANCE COMPANY (LIMITED),' 1 LONDON, ENGLAND. 

Deposit Capital, $200,000. 

CHARLES SEWALL, Resident Manager. 

Office, New York, X. T. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $425,000 00 $480,250 00 

Akron & Chicago Junction Railroad bonds, 
Baltimore & Ohio Southwestern R.R. bonds, 
Central Railroad of New Jersey bonds, . 
Chicago, Burlington ft Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul Railroad, 



30,000 00 30,900 00 

50,000 00 52.125 00 

50,000 00 56,375 00 

100,000 00 108,000 CO 



150,000 00 172,250 00 



COMMERCIAL UNION ASSURANCE CO. (LIMITED). 347 



Chicago <& Northwestern Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Clev., Cm., Chicago & St. Louis R.R. bonds, 
Denver & Rio Grande Railroad bonds, . 
Indianapolis & Vincennes Railroad bonds, 
Lehigh Valley of New York bonds, 
Lehigh Valley Terminal Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Michigan Central Railroad bonds, . 
Milwaukee, Lake Shore & Western Railroad, 
New York Central & Hudson River R.R. bonds, 
N. Y., Lackawanna & Western R.R. bonds, 
Pittsburg, Fort Wayne & Chicago Railroad, 
Western Pennsylvania Railroad bonds, . 
West Shore Railroad bonds, 
Underwriters 1 Salvage Ass'n of New York, 



Par Value. 

i 124,000 00 

60,000 00 

50,000 00 

60,000 00 

65,000 00 

50,000 00 

50,000 00 

50,000 CO 

40,000 00 

25,000 00 

30,000 00 

50,000 00 

15,000 00 

50,000 00 

50,000 00 

1,000 00 



Market Value. 

$149,660 00 
74,700 00 
45,000 00 
46,800 00 
78,000 00 
52,000 00 
52,750 00 
50,000 00 
42,400 00 
31,500 00 
37,650 00 
65,000 00 
22,650 00 
50,125 00 
50,875 00 
1,000 00 



$1,575,000 00 11,745,010 00 



Summary of Assets Dec. 31, 1893 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, . 
Re-insurance, ...... 

Premiums more than 3 months due, $10,219 
Gross assets, ..... 



$864,314 96 

1,745,010 00 

508 91 

376,682 52 

25,549 98 

489,792 26 

38,316 05 

10,750 96 

4,273 92 



62 



$3,555,199 56 



Unadmitted . 



Special deposits in other States, 
Cash not in control of trustees, 



$254,250 00 
36,506 50 



290,756 50 



Balance, . $3,264,443 06 



Liabilities. 
Losses adjusted and reported, . . . 
Losses claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



$388,589 21 
41,960 11 

$430,549 32 
5,020 00 

$425,529 32 
2,080,366 61 



348 COMMERCIAL UNION ASSURANCE CO. (LIMITED). 



Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 



Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, 



$41,340 12 
67,934 35 

813 84 
2,419 21 

$2,618,403 45 
178,052 22 



$2,440,351 28 

|824,091 83 
200,000 00 



Surplus over capital, $624,091 83 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $485,471 44 

Premiums on risks written or renewed, . . 3,357,908 36 

Total, $3,843,379 80 

Premiums now in course of collection, . . 484,710 59 

Entire premiums collected, .... $3,358,669 21 

Less re-insurance and return premiums, . . 711,018 11 

Net cash fire premiums received, . . . $ 2,647 ,651 10 

Marine premiums outstanding Dec. 31, 1892, . $1,688 73 

Premiums on risks written or renewed, . . 222,843 52 

Total, $224,532 25 

Premiums now in course of collection, . , 5,081 67 

Entire premiums collected, .... $219,450 58 

Less re-insurance and return premiums, . . 29,672 86 

Net cash marine premiums received, . . 189,777 72 

Interest and dividends received from all sources, . . . 80,042 10 

Income from rents, 35,105 43 

Deposits received for perpetual fire risks, . $27,688 58 

Received from home office, .... 180,175 00 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash paid for commissions and brokerage, 

Cash paid for salaries of officers and employees, 



. $2,952,576 35 



$1,997,222 60 
56,507 97 



$1,940,714 63 



$185,916 87 
48.631 17 



$137,285 70 
498,957 38 
126,481 70 



GUARDIAN FIRE AND LIFE ASSURANCE CO. 



349 



Cash paid for State and local taxes, 
Cash paid for incidentals, . 
Deposits returned on perpetual fire risks, 
Remitted to home office, . 



$65,712 19 
157,034 27 



$2,361 50 
223,812 12 



Gross cash expenditures, .... 

Risks and Premiums. 



$2,926,185 87 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$415,635,588 00 
296,724,111 00 

$712,359,699 00 
323,059,018 00 

$ 389,300,651 00 
7,033,279 00 



Premiums. 

$4,412,301 94 
3,357,908 36 

$7,770,210 30 
3,628,479 38 

1,141,730 92 
83,764 31 



Perpetual risks in force (not included above), 2,151,729 00 



$382,267,372 00 $4,057,966 61 
45,933 47 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, ... . 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



Miscellaneous. 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 



$1,707,174 00 
33,679,715 00 



$35,386,889 00 
32,905,630 00 



>,481,259 00 
133,041 00 



$8,490 26 

222,843 52 

$231,333 78 

226,993 48 

$4,340 30 

166 30 



1,348,218 00 $4,174 00 



$ 1,969,602 00 
169,786 00 



UNITED STATES BRANCH OF THE "GUARDIAN FIRE AND 
LIFE ASSURANCE COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
HENRY E. BOWERS, Resident Manager. 

Office, Neiu York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $425,000 00 $484,5<>0 00 

New York, Chicago & St. Louis R.R. bonds, . 50,000 00 48,750 00 

Brooklyn & Montauk Railroad bonds, . . 50,000 00 53,000 00 

Long Island Railroad bonds, .... 50,000 00 57,000 00 

Equitable Gas Light Co. of N. Y. bonds, . 50,000 00 53,500 00 

New York city stock, 275,000 00 276,562 50 

Rochester & Pittsburgh Railroad bonds, . . 50,000 00 58,250 00 



350 



GUARDIAN FIRE AND LIFE ASSURANCE CO. 



Metropolitan Elevated Railway bonds, . 
St. Paul, Minn. & Manitoba Railway, 
Mil., L. Shore & Western Railway, . 
Staten Island Rapid Transit Railway, 
Pitts., Cin., Chicago & St. Louis Railroad, 



Par Value. 

850,000 00 
60,000 00 
50,000 00 

10,000 00 
50,000 00 



Market Value. 

$59,750 00 
50,500 00 
63,000 00 
11,350 00 
50,625 00 



$1,160,000 00 ^1,266,787 50 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Premiums more than 3 months due, $13,024 95 
Gross assets, 



31, 1893. 

$342,500 00 
2,879 54 
1,266,7K 

840 00 

60,435 68 

130,712 75 

416 67 



$1,804,572 14 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$256,500 00 
2,400 82 



258,900 82 



Balance, $1,545,671 32 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 

Surplus over capital, . 



$97,125 00 
73,977 00 
29,187 00 

8200,289 00 
15,2<)2 00 

|185,087 00 

965,619 35 

2,842 18 

7,869 27 

4,768 99 

I 05 

1,166,446 84 
165,216 54 



1,001,230 30 

$544,441 02 
2»0,000 00 



$344,441 02 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$554,200 00 
241, $00 00 
241, S00 00 



GUARDIAN FIRE AND LIFE ASSURANCE CO. 



351 



Income. 

Fire premiums outstanding Dec. 31, 1892 
Same not collected, .... 

Net collected, .... 

Premiums on risks written or renewed, 

i 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 
Remittance from home office, . 
Gross cash income, 



$133,616 52 
584 60 

$133,031 92 
1,423,284 71 

$1,556,316 63 
143,737 70 

$1,412,578 93 
286,057 39 

$1,126,521 54 

15,792 80 

sources, . . 22,116 92 

$242,500 00 



,164,431 26 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash j)aid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$889,208 52 
52,679 35 



$836,529 17 

213,311 65 

105,608 89 

31,312 98 

95,362 94 



. $1,282,125 63 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$222,585,171 00 $1,897,488 77 
141,043,244 00 1,423,284 71 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$363,628,415 00 $3,320,773 48 
135,352,298 00 1,317,614 27 



$228,276,117 00 $2,003,159 21 
14,901,775 00 105,607 32 



$213,374,342 00 $1,897,551 89 



Miscellaneous. 
Fire losses incurred during the year, 



. $856,728 00 



352 



HAMUURG-BIIK.MKX FIRE INSURANCE CO. 



UNITED STATES BRANCH OF THE "HAMBURG-BREMEN FIRE 
INSURANCE COMPANY," HAMBURG, GERMANY. 

Deposit Capital, $205,000. 
F. O. AFFELD, Resident Manager. 

Office, New York, N. T. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

State of Georgia bonds, . 

City of Richmond, Va., bonds, 

New York City bonds, 

New Y r ork City water stock, 

Portland City water bonds, 

St. Louis city bonds,. 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago & Northwestern Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

New l r ork, Lake Erie & Western R.R bonds 

Central Pacific Railroad bonds, 

Kansas Pacific R.R., Denver Division, bonds, 

Union Pacific R.R. bonds, . 

Oregon Railway Oc Navigation Co. bonds, 

Northern Pacific Railroad bonds, 

Louisville & Nashville Railroad bonds, . 

Illinois Central Railroad bonds, 

St. Paul, Minn. & Manitoba Railroad bonds, 

Wabash Railroad bonds, .... 

Long Island Railroad bonds, . 

Atchison, Topeka & Santa Fe Railroad bonds 

Lake Erie & Western Railroad bonds, 

New York, Chicago & St. Louis R.R bonds, 

East Tenn., Virginia & Georgia R.R. bonds, 

Denver & Rio Grande Railroad bonds, . 

Pennsylvania Railroad bonds, . 

Central Ohio Railroad bonds, . 

Pennsylvania Company bonds, 

Scioto Valley & New England R.R. bonds, 

Chic, Milw. & St. Paul, Chicago & Pacific W. 

Beech Creek Railroad bonds, . 

Pennsylvania Railroad bonds, . 



Par Value. 

iKMI.I,- 

25,00 

15,0' 
100,000 00 
"0 00 
50,00<) 00 

00 

00 00 
■0 00 

00 00 
10 00 

10 00 

2o,0" 
1)0 00 

'0 00 
30,000 00 

»0 00 
15,00 

'0 00 

»0 00 
25,000 00 
25,000 00 
30,000 00 
25,000 00 
25,000 00 
10,0(»0 00 

30,000 00 
30,000 00 
15,000 00 
10,000 00 
15,000 00 



Market Value. 

8112,000 00 

27,750 00 

. 16,125 00 

100,500 00 

105,787 50 

55,250 00 

.000 00 

17,475 00 

34 •_ 

24,200 00 
31,250 00 

21,100 00 
2l,40o 00 
21.025 00 
.400 00 
21,975 00 

00 
49,500 00 
15,000 00 

00 
33,600 00 
16,500 00 
28,125 00 
29,175 00 
21,250 00 
18^75 00 
11,375 00 
25,750 00 
32,700 00 
21.900 00 
16,350 00 
10,200 00 
15.450 00 



$1,035,000 00 $1,078,512 50 



HAMBURG-BREMEN FIRE INSURANCE CO. 



353 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash deposited in bank, , . ... 
Interest clue and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Premiums more than 3 months due, $1,368 28 
Gross assets, 



31, 1893. 

$1,078,512 50 

77,714 81 

1,000 00 

72,364 82 

155 71 



$1,229,747 84 



Unadmitted. 



•Special deposits in other States, 
Cash not in control of trustees, 



$99,125 00 
11,714 81 



110,839 81 



Balance, $1,118,908 03 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$1,500 00 
91,205 00 
29,275 00 



$121,980 00 
6,305 00 

$115,675 00 

823,276 42 

11,501 49 



$950,452 91 
72,254 44 



878,198 47 



$240,709 56 
205,000 00 



Surplus over capital, $35,709 56 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . — 

Interest and dividends received from all sources, . 



$97,539 78 
1,493,446 01 

$1,590,985 79 
73,888 81 

$1,517,096 98 
370,210 00 



$1,146,886 98 
49,734 34 



Gross cash income, $1,196,621 32 



354 



THE IMPERIAL INSURANCE CO. (LIMITED). 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . . , 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$958,872 34 



49,6 



33 27 



$909,239 07 

185,527 21 

95,682 46 

28,485 21 

69,961 60 

$1,288,895 55 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$138,294,794 00 $1,768,832 92 
.112,753,481 00 1,493,446 01 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$251,048,275 00 $3,262,278 93 
118,947,858 00 1,523,333 04 



$132,100,417 00 $1,738,945 89 
8,532,151 00 103,662 67 



$123,568,266 00 $1,635,283 22 



Miscellaneous. 
Fire losses incurred during the year, 



$908,469 00 



UNITED STATES BRANCH OF "THE IMPERIAL INSURANCE 
COMPANY (LIMITED)," LONDON, ENGLAND. 

Deposit Capital, $286,000. 
Courtney & McCay, Resident Managers. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $481,000 00 $548,530 00 

New York city bonds 150,000 00 150,000 00 

City of Boston bonds 100,000 00 97,000 00 

City of Providence bonds, .... 50,000 00 -.500 00 

West Shore Railroad bonds, .... 100,000 00 101,000 00 

Lehigh Valley Railroad bonds, . . . 40,000 00 39,200 00 

West Virginia State certificates, . . . 28,666 67 2,007 00 

Shawmut National Bank, Boston, Mass., . . 40,000 00 .000 00 

Third National Bank, Boston, Mass., . . 40,000 00 40,000 00 

International Trust Company, Boston, Mass., . 35,000 00 35,000 00 



$1,064,666 67 $1,099,237 00 



THE IMPERIAL INSURANCE CO. (LIMITED) . 



355 



Summary of Assets Dec. 31, 1893 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

^Miscellaneous, 

Premiums more than 3 months due, $15,563 10 
Gross assets, 



$476,634 70 

1,099,237 00 

68,812 77 

2,895 83 

195,900 51 

3,291 13 

500 00 



$1,847,271 94 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 
Underwriters 1 Salvage stock, . 



$276,850 00 

68,812 77 

500 00 



346,162 77 



Balance, $1,501,109 17 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 



$53,018 30 
95,862 79 
18,167 14 



167,048 23 
25,116 35 



141,931 88 

905,078 01 

33,858 78 

2,538 53 

1,060 37 

1,084,467 57 

52,673 69 



$230,536 17 
1,581,816 60 

'1,812,352 77 
211,463 61 

'1,600,889 16 
440,155 51 



1,031,793 88 

$469,315 29 
286,000 00 



$183,315 29 



$1,160,733 65 



356 LANCASHIRE INSURANCE CO. 

Interest and dividends received from all sources, . . . #39,929 08 

Income from rents, etc., 16,611 41 

Remittances from home office, . . . #128,090 26 



Gross cash income, # 1,2 17,274 14 

Expenditures. 

Cash paid for fire losses $990,698 65 

Deduct salvage and re-insurance, . . . 76,719 35 

Net cash paid for fire losses, .... #913,979 30 

Cash paid for commissions and brokerage, .... 206,091 09 

for salaries of officers and employees, . . . 101,897 39 

for State and local taxes, 48,953 58 

for incidentals, 50,150 79 



Gross cash expenditures, #1,321,072 15 

Risks and Premiums. 

Premium*. 

Fire risks outstanding Dec. 31, 1892, . $212,430,286 00 #1,950,64 
Fire risks written during 1893, . . 134,765,884 00 1,581,816 60 



Total, #347,196,170 00 #3,532,457 32 

Deduct risks expired and terminated, . 150,024,502 00 1,622,352 13 



In force at end of year #197,171,668 00 #1,910,105 19 

Deduct amount re-insured, . . . 8,263,622 00 116,783 79 



Net amount in force #188,908,046 00 #1,793,321 40 

Miscellaneous. 
Fire losses incurred during the year, #926,139 00 



UNITED STATES BRANCH OF THE "LANXASHIRE INSURANCE 
COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 

E. LITCHFIELD, Renident Manager. 

Office, Xew York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, #690,000 00 #773,750 00 

Albany & Susquehanna Railroad bonds, . . 15,000 00 17,400 00 

Atchison, Topeka & Santa Fe Railroad bouds, 45,000 00 29 r 700 00 

Baltimore & Ohio Railroad bonds, . . . 75,000 00 83,900 00 

Brooklyn & Montauk Railroad bonds, . . 30,000 00 31,800 00 



LANCASHIRE INSURANCE CO. 



357 



Chicago, Burlington & Quincy Railroad, 
Chicago, Milwaukee & St. Paul Railroad, 
Chicago & Northwestern R.R. bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Clev., Cin., Chicago & St. Paul R.R. bonds, 
Chicago, St. Louis & New Orleans R.R. bonds 
City of Portland, Oregon, water bonds, . 
Detroit, Monroe & Toledo Railroad bonds, 
Illinois Central Railroad bonds, 
Michigan Central Railroad, 
Milwaukee & St Paul Railroad Company, 
N. Y. Central & Hudson River R.R. bonds, 
New York, Lack. &> Western R R. bonds, 
Northern Central Railroad bonds, . 
North Pennsylvania Railroad bonds, 
Ottumwa, Cedar Falls & St. Paul R.R. bonds 
Philadelphia & Erie Railroad bonds, 
Pennsylvania Railroad bonds, . 
Rome, Watertown & Ogdensburg R.R. bonds 
Syracuse, Binghamton & N. Y. R.R. bonds, 
State of Georgia bonds, .... 
St. Paul & Northern Pacific Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds, 
Western Pennsylvania Railroad bonds, . 
Underwriters 1 Salvage Company of New York, 



Par Value. 

$35,000 00 
45,000 00 
40,000 00 
20,000 00 
50,000 00 
50,000 00 
50,000 00 
19,000 00 
50,000 00 
15,000 00 
10,000 00 
10,000 00 
15,000 00 
17,000 00 
10,000 00 
20,000 00 
18,000 00 
30,000 00 
25,000 00 
22,000 00 
25,000 00 
22,000 00 
50,000 00 
10,000 00 
1,000 00 



Market Value. 

$32,900 00 
49,050 00 
37,400 00 
24,600 00 
45,125 00 
51,575 00 
53,000 00 
24,130 00 
51,100 00 
17,250 00 
11,500 00 
11,900 00 
19,350 00 
18,190 00 
12,700 00 
21,000 00 
23,040 00 
34,900 00 
28,375 00 
27,940 00 
24,750 00 
25,080 00 
47,500 00 
9,900 00 
1,000 00 



$1,514,000 00 $1,639,805 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$383,388 85 

1,639,805 00 

1,723 63 

42,965 76 

219,892 79 



$246,500 00 
13,267 41 



$2,287,776 03 



259,767 41 



Balance, $2,028,008 62 



Liabilities. 

Losses adjusted, unpaid, $115,018 18 

claimed and reported, .... 212,127 14 

disputed or resisted, .... 36,016 33 

Unearned premiums on outstanding risks, . 1,258,733 66 



3f>;s 



LANCASHIRE INSURANCE CO. 



State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, 



f5,000 00 
35,000 00 

$1,661,895 31 
122,307 02 



$1,539,588 29 

$488,420 S3 

200,000 00 

$288,420 33 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 
Income from rents, 



. $364,997 92 

. 2,949,803 21 

. $3,314,801 13 

219,892 79 

. $3,094,908 34 

. 1,009,691 24 



$2,085,217 10 
79,965 29 
10,673 82 



Gross cash income, $2,175,856 21 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, 



$1,828,715 04 

386,175 73 

175,190 27 

51,259 69 

173,399 36 



$2,614,740 09 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1«93, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$310,048,203 00 
255,436,643 00 

$565,484,846 00 
320,672,870 00 

$244,811,976 00 
22,263,889 00 



Premiam§. 

$3,434,944 93 

2,949,803 21 

$6,384,748 14 

3,670,046 40 

£2,714,701 74 

200,154 75 



$222,548,087 00 $2,514,546 99 



Miscellaneous. 
Fire losses incurred during the year, 



. $1,793,445 00 



LION FIRE INSURANCE CO. 



359 



UNITED STATES BRANCH OF THE "LION FIRE INSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

M. BENNETT, Business Manager. 

Office, Hartford, Conn. 



United States bonds, . 
Brooklyn city bonds, 
Richmond city bonds, 
Georgia State bonds, 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$150,000 00 

200,000 00 

17,000 00 

25,000 00 



Market Value. 

$169,875 00 

206,000 00 

17,000 00 

25,000 00 



Securities held as collateral for cash loans : — 



30 shares Hartford Fire Insurance Company 
120 " Pennsylvania Railway, . 
24 " Hartford Fire Insurance Company 
40 " Western Union Telegraph Co., 
40 " Manhattan Railway Company, 



$392,000 00 $417,875 00 



Market Value. Loaned Thereon. 



$10,500 00 

5,760 00 
8,400 00- 
3,295 00 
4,900 00 



$6,500 00 
4,500 00 

8,300 00 



$32,855 00 $19,300 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . . . 
Premiums in course of collection (gross), 

Bills receivable, 

Gross assets, 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



31, 1893. 

$214,750 00 

4,363 66 

417,875 00 

19,300 00 

1,000 00 

94,165 26 

5,755 62 

111,590 72 

115 48 



$211,875 00 
4,725 25 



$868,915 74 



216,600 25 



Balance, $652,315 49 

* Value of lands mortgaged $163,824 00 

Value of buildings thereon 311,026 00 

Amount of insurance held as collateral 254,800 00 



360 



LION FIRE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, $24,045 94 

claimed and reported, .... 50,049 00 

disputed or resisted, .... 12,036 50 

Unearned premiums on outstanding risks, . 386,301 50 

Commissions and brokerage, .... 16,682 52 

Gross liabilities, except capital, . . $489,115 46 
Deduct liability on special deposits, . . 65,318 78 

Surplus as regards policy-holders, 

Deposit capital, 



;,796 68 

$228,518 81 
200,000 00 

Surplus over capital, $ 28,5 18 81 

Income. 
Fire premiums outstanding Dec. 31, 1892, . $79,785 :A 
Premiums on risks written or renewed, . . 983,791 47 

Total, $ 1,063,577 01 

Premiums now in course of collection, . . 111,590 72 

Entire premiums collected, .... $951,986 29 
Less re-insurance and return premiums, . . 373,414 31 

Net cash fire premiums received, . . . $578,571 98 

Interest received on mortgages, 11,237 11 

Interest and dividends received from all other sources, . . 16,787 00 

Gross cash income, $606,596 09 

Expenditures. 
Cash paid for fire losses $446,030 91 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, .... 

Risks and Premiums. 



104,092 27 
35,999 85 
18,325 

42,057 43 

£646,506 21 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



Premiums. 

.$87,325,299 00 $1,004,684 60 
73,415,3* >4 00 983,791 47 



$160,740,603 00 £1,988,476 07 
81,486,075 00 1,007,359 74 



.$79,254,528 00 $981,116 33 
. 16,238,622 00 219,439 76 



Miscellaneous. 
Fire losses incurred during the year, 



.£63,015,906 00 $761,676 57 
. $429,795 00 



LIVERPOOL AND LONDON AND GLOBE INS. CO. 



361 



UNITED STATES BRANCH OF THE " LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $200,000. 
HENRY W. EATON, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $1,575,000 00 $1,779,750 00 

New York city bonds, 50,000 00 53,500 00 

Richmond city bonds, 5,000 00 6,400 00 

Boston city bonds, 180,000 00 205,650 00 



$1,810,000 00 $2,045,300 00 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, 
Loans on life policies, 
All other assets, 
Premiums more than 3 months due, $33,741 45 
Gross assets, 



$1,603,270 00 

3,079,328 64 

44,407 21 

2,045,300 00 

4,110 01 

827,029 88 

507 03 

963,864 76 

15,000 00 

15,355 00 

98 75 



$8,598,271 28 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$248,600 00 
187,422 84 



436,022 84 



Balance $8,162,248 44 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 



Liabilities. 



$30,398 99 

768,772 06 

71,257 00 



$870,428 05 
129,911 00 



$740,517 05 



* Value of lands mortgaged, , 
Value of buildings thereon, 



$2,777,450 00 
3,048,300 00 



362 LIVERPOOL AND LONDON AND GLOBE INS. CO. 

Unearned premiums on outstanding risks, . $4,153,628 69 

Reelaimable on perpetual fire policies, . . 329,622 03 

Liabilities under life department, . . . 112,795 83 

Commissions and brokerage, .... 103,164 36 

Re-insurance, 132,018 53 



Gross liabilities, except capital, . . $5,571,746 49 
Deduct liability on special deposits, . . 216,208 26 



$5,355,538 23 



Surplus as regards policy-holders, $2,806,710 21 

Deposit capital, 200,000 00 



Surplus over capital, $2,606,710 21 

Income. 

Fire premiums outstanding Dec. 31, 1892, . $886,406 62 
Same not collected, 3,372 48 



Net collected $883,034 14 

Premiums on risks written or renewed, . . 7,490,665 6L 



Total, $8,373,699 75 

Premiums now in course of collection, . . 997,606 2 L 



Entire premiums collected, .... $7,376,093 54 
Less re-insurance and return premiums, . . 1,685,216 55 

Net cash fire premiums received, . . . $5,690,876 99 

Interest received on mortgages, 111,841 19 

Interest and dividends received from all other sources, . . 92,379 30 

Income from rents, 74,132 93 

Income from life premiums, .... $4,054 80 

Deposits received for perpetual fire risks, . 14,128 74 



Gross cash income, $5,969,230 41 

Expenditures. 

Cash paid for fire losses, $4,021,374 48 

Deduct salvage and re-insurance, . . . 369,403 07 

Net cash paid for fire losses, .... $3,651,971 41 

Cash paid for commissions and brokerage, .... 962,860 05 
for salaries of officers and employees, . . . 279,199 96 

for State and local taxes, 99,983 48 

for incidentals, 280,752 56 

Deposits returned on perpetual fire risks, . $10,762 64 
Expenses in life department, .... 8,148 17 



Gross cash expenditures, ..,,... $5,274,767 46 



LONDON ASSURANCE CORPORATION. 



363 



,197,516 00 
730,093,729 00 



$1,639,291,245 00 
637,959,488 00 



Risks and Premiums. 

Fire risks outstanding; Dec. 31, 1892, 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above) , 10,230,929 00 

Miscellaneous. 
Fire losses incurred during the year, .... 



Premiums. 

^8,353,242 13 
7,490,665 61 



$15,843,907 74 
6,499,808 63 



$1,001,331,757 00 
155,321,797 00 



$846,009,960 00 



59,344,099 11 
1,265,631 21 



$8,078,467 90 
316,970 56 



$3,816,690 00 



UNITED STATES BRANCH OF THE "LONDON ASSURANCE 
CORPORATION," LONDON. 

[FIRE BRANCH.] 

Deposit Capital, $200,000. 

CHA8. L. CASE, Resident Manager. 

Office, New York. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Valae. 

United States bonds, $630,000 00 $708,750 00 

Baltimore Belt Railroad bonds, . . . 16,000 00 15,840 00 

Central Railroad of New Jersey bonds, . . 40,000 00 45,400 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 54,375 00 

Milwaukee & St. Paul Railroad bonds, . . 50,000 00 62,500 00 

Chicago, St. Louis & New Orleans Railroad, . 8,000 00 8,960 00 

Colorado Midland Railway Company bonds, . 35,000 00 33,250 00 

Denver & Rio Grande bonds, .... 30,000 00 23,100 00 

Erie Railway bonds, 50,000 00 66,750 00 

Lehigh Valley Railway bonds, . . . 30,000 00 29,400 00 

Long Island Railroad bonds, .... 45,000 00 50,400 00 

Louisville & Nashville Railroad bonds, . . 25,000 00 29,750 00 

Milwaukee, Lake Shore & West'n R.R. bonds, 25,000 00 30,750 00 

Philadelphia & Reading Railroad bonds, . 15,000 00 9,975 00 

Pittsburgh, Cinn., Chicago & St. Louis bonds, 25,000 00 25,250 00 

St. Paul, Minneapolis & Manitoba R.R bonds, 55,000 00 65,100 00 

Scioto Valley & New England R.R. bonds, . 30,000 00 22,200 00 

City of Richmond, Va., bonds, .... 50,000 00 50,000 00 



$1,209,000 00 $1,331,750 00 



364 



LONDON ASSURANCE CORPORATION. 



Summary of Assets Dec. 31, 1893. 



Stocks and bonds, as per schedule, . 
( 'ash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$1,331,750 00 

1,799 00 

130,101 76 

139,891 91 



$1,603,002 07 



1216,875 00 
9,551 52 



250,420 52 



Balance, $1,347,176 15 



Liabilities. 

Losses adjusted, unpaid, . . 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, . 



$44,197 00 
50,878 00 
25,157 00 

$120,232 00 
6,245 00 

f 113,987 00 
845,39> 

174 80 
29,228 74 

$988,788 59 
72,519 18 



916,269 41 

s; . •; 74 

200,000 00 
$230,906 74 



INCOME. 

Fire premiums outstanding Dec. 31, 1892, . $174,510 89 
Premiums on risks written or renewed, . . 1,283,515 42 



Total, $1,458,026 31 

Premiums now in course of collection, . . 139,891 91 



Entire premiums collected, .... $1,318,134 40 
Less re-insurance and return premiums, . . 328,649 30 
Net cash fire premiums received, 
Interest and dividends received from all sources, . 



$989,485 10 
57,363 20 



Gross cash income, §1,046,848 30 



LONDON ASSURANCE CORPORATION. 



365 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$820,514 09 
99,597 31 



$720,916 78 

186,235 40 

81,911 39 

27,056 97 

69,813 17 



Gross cash expenditures, $1,085,933 71 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



Premiums. 

$201,192,301 00 $1,821,875 13 
130,350,651 00 1,283,515 42 



$331,542,952 00 $3,105,390 55 
140,800,808 00 1,355,596 73 



$190,742,144 00 $1,749,793 82 
8,322,430 00 87,613 86 



Net amount in force, . . . $182,419,714 00 $1,662,179 96 

Perpetual risks in force (included above), 11,200 00 184 00 



Miscellaneous. 
Fire losses incurred during the year, 



l a 



. $681,638 00 



UNITED STATES BRANCH OF THE "LONDON ASSURANCE 
CORPORATION," LONDON. 

[MARINE BRANCH ] 

Deposit Capital, $300,000. 

CLEMENT L. DESPARD, Manager and Attorney. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

New York city bonds, $100,000 00 f 100,750 00 

Boston city bonds, 100,000 00 100,000 00 

Brooklyn city bonds, 100,000 00 97,500 00 

Cleve., Cm., Chic. & St. Louis R.R. bonds . 50,000 00 44,000 00 

Chicago & Erie Railroad bonds, . . . 50,000 00 49,000 00 

Chesapeake & Ohio Railroad bonds, . . 50,000 00 51,000 00 



$450,000 00 $442,250 00 



3GG 



LONDON ASSURANCE CORPORATION. 



Summary of Assets Dec. 31, 1893. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$442,250 00 

229 48 

69,506 89 

5,864 59 

48,786 87 

5,417 86 



$572,055 CO 



Unadmitted. 



Bills receivable, 

Cash not in control of trustees, 



$5,417 86 
896 90 



6,314 76 



Balance, 8565,740 93 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums and re-insurance, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



\\ 50,538 79 
71,908 00 

$78,630 79 

78,660 99 

2,519 76 

3,720 77 



163,532 31 

$402,208 62 
300,000 00 



Surplus over capital, $102,208 62 

Income. 

Marine premiums outstanding Dec. 31, 1892, . $55,934 41 
Premiums on risks written or renewed, . . 550,677 30 

Total $606,611 71 

Premiums now in course of collection, . . 48,786 87 

Entire premiums collected, .... $557,824 84 
Less re-insurance and return premiums, . 139,031 94 

Net cash marine premiums received, . . $418,792 90 

Interest and dividends received from all sources, . . . 19,531 77 



Gross cash income, $438,324 67 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, 



$457,807 61 
129,645 12 



$328,162 49 



LONDON AND LANCASHIRE FIRE INSURANCE CO. 367 

Cash paid for commissions and brokerage, .... $56,635 15 

for salaries of officers and employees, . . . 12,352 00 

for State and local taxes, 12,628 94 

for incidentals, 19,463 09 

Remitted to home office, $111,564 99 

Gross cash expenditures, $429,241 67 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



Premiums. 

. $4,672,383 00 $83,758 90 
. 73,095,271 00 550,677 30 



. $77,767,654 00 $634,436 20 
. 73,861,976 00 528,806 83 



. $3,905,678 00 $105,629 37 
. 1,333,307 00 26,968 38 



Net amount in force, $2,572,371 00 $78,660 99 

Miscellaneous. 
Marine and inland losses incurred during the year, . . $377,368 00 



UNITED STATES BRANCH OF THE "LONDON AND LANCASHIRE 
FIRE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $290,000. 

JEFFREY BE A VAN, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Baltimore & Ohio R.R. bonds, . . . . $100,000 00 $114,750 00 

Chicago & Northwestern Railroad bonds, . 100,000 00 121,125 00 

Chicago, Rock Island & Pacific R.R. bonds, . 90,000 00 113,850 00 

Central Railroad of New Jersey bonds, . . 100,000 00 113,500 00 

Cincinnati, lnd., St. Louis & Chic. R.R. bonds, 100,000 00 92,500 00 

Delaware & Hudson Railroad bonds, . . 25,000 00 34,750 00 

Lake Shore & Michigan Southern R.R. bonds, 92,000 00 111,780 00 

N. Y. Central & Hudson River R.R. bonds, . 75,000 00 94,500 00 

New York & Harlem Railroad bonds, . . 50,000 00 59,500 00 

West Shore Railroad bonds, .... 100,000 00 104,000 00 

Lake Erie & Western Railway bonds, . . 50,000 00 56,500 00 

Lehigh Valley Railroad bonds, . . . 50,000 00 50,000 00 

Mil., Lake Shore & Western R.R. bonds, . 50,000 00 53,500 00 

Baltimore Belt Railroad bonds, . . . 25,000 00 24,750 00 



368 



LONDON AND LANCASHIRE FIRE INSURANCE CO. 



Chesapeake & Ohio Railroad bonds, 
Cincinnati, Dayton & Ironton Railroad bonds 
Flint & Pere Marquette Railroad bonds, . 
New York, Ontario & Western R.R. bonds, 
Beech Creek Railroad Co. bonds, 
New York, Chicago & St. Louis R.R. bonds, 
United States bonds, ..... 
State of Georgia bonds, .... 
New York city bonds, .... 
City of Richmond bonds, .... 



Par Value. 

|60,000 00 

20,000 00 
25,000 00 
20,000 00 
25,000 00 
25,000 00 

320,000 00 
25,000 00 

120,000 00 
50,000 00 



Market Value. 

|51,250 00 

19,000 00 
24,250 00 
21,500 00 
25,625 00 
24,375 00 

364,800 00 
27,700 00 

120,600 00 
47,500 00 



«l,687,000 00 $1,871,605 w 



Summary of Assets Dec. 31, 1893. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross). 
Notes taken for fire risks, 
Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $12,677 
Gross assets, 

Unadmitted. 

Special deposits in other States, 
Cash not in control of trustees, 



88 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 



$299,125 00 

1,871,605 00 

24,378 73 

120,563 72 

313,957 06 

8,434 78 

2,827 02 

137 61 



$2,641,028 92 



$246,200 00 
129,942 45 



376,142 45 
$2,264,886 47 



$103,074 45 

170,151 60 

39,646 46 

$312,872 51 
41,355 65 

$271,516 86 

1,617,850 24 

61,763 57 

1,495 12 

9,571 20 

$1,962,196 99 
159,640 63 



1,802,556 36 



$462,330 11 
290,000 00 



$172,330 11 



LONDON AND LANCASHIRE FIRE INSURANCE CO. 309 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $354,008 48 
Same not collected, 68 67 



Net collected, $353,939 81 

Premiums on risks written or renewed, . . 2,748,838 60 



Total $3,102,778 41 

Premiums now in course of collection, . . 335,069 22 



Entire premiums collected, .... $2,767,709 19 
Less re-insurance and return premiums, . . 733,090 98 

Net cash lire premiums received, . . . $2,034,618 21 

Interest and dividends received from all sources, . . . 82,930 10 

Income from rents, 11,738 71 



Gross cash income, $2,129,287 02 



Expenditures 

Cash paid for fire losses, $1,471,326 65 

Deduct salvage and re-insurance, . . . 143,232 47 

Net cash paid for fire losses, .... $1,328,09418 

Cash paid for commissions and brokerage, .... 380,234 81 

for salaries of officers and employees, . . . 147,797 92 

for State and local taxes, 39,596 10 

for incidentals, 128,412 14 



Gross cash expenditures, $2,024,135 15 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



Premiums. 

$368,744,420 00 $3,388,194 94 
272,908,106 00 2,748,838 60 



$641,652,526 00 $6,137,033 54 
271,917,603 00 2,765,521 57 



$369,734,923 00 $3,371,511 97 
15,507,314 00 218,182 65 



Net amount in force, .... $354,227,609 00 $3,153,329 32 

Miscellaneous. 
Fire losses incurred during the year, $1,354,416 00 



370 



MANCHESTER FIRE ASSURANCE CO. 



UNITED STATES BRANCH OF THE » MANCHESTER FIRE ASSUR- 
ANCE COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 
W. W. DUDLEY, Manager. 

Office, Chicago, III. 
Detailed Statement of Stocks and Bonds. 

Far Value. Market Value. 

New York city bonds, $200,000 00 $204,000 U0 

United States bontls, 427,000 00 482,510 00 

District of Columbia bonds, .... 20,00000 21,00000 

Wheeling & Lake Erie Railroad bonds, . . 30,000 00 29,700 00 

Lehigh Valley Railroad bonds, . . . 25,000 00 24,000 00 

St. Paul, Minn. & Manitoba Railroad bonds, . 25,000 00 25,250 00 

Chesapeake & Ohio Railroad bonds, . . 25,000 00 25,687 50 

Chicago, Milwaukee & St. Paul R.R. bonds, . 97,000 00 103,220 00 

Chicago & Eastern Illinois Railroad bonds, . 27,000 00 31,050 00 

Knoxville & Ohio Railroad bonds, . . . 15,000 00 15,225 00 

Central Railroad of New Jersey bonds, . . 55,000 00 61,325 00 

West Shore Railroad bonds 25,000 00 25,250 00 

Baltimore & Ohio Railroad bonds, . . . 64,000 00 .360 00 

Pennsylvania Railroad bonds, .... 75,000 00 81,700 00 

Chicago & Western Indiana Railroad bonds, . 80,000 00 93,000 00 

Illinois Central Kailroad bonds, . . . 91,000 00 90,340 00 

Atlanta & Charlotte Railroad bonds, . . 14,000 00 16,240 00 

Atchison, Topeka & Santa F6 R.R. bonds, . 16,500 00 13,530 00 

Lake Erie & Western Railroad bonds, . . 13,000 00 14,090 00 

Chicago, St. Louis & New Orleans R.R. bonds, 25,000 00 27,875 00 

Northern Pacific Railroad bonds, . . . 16,000 00 17,200 00 

Burl., Cedar Rapids & Northern R.R. bonds, . 25,000 00 25,500 00 

Beech Creek Railroad bonds, .... 75,000 00 .000 00 

$1,465,500 00 $1,573,052 50 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens), $50,000 00 

Stocks and bonds, as per schedule, . . . 1,573,652 50 

Cash in the office of the company, . . . 14,384 22 

Cash deposited in bank, 160,427 14 

Premiums in course of collection (gross), . 285,726 59 

Re-insurance, etc., 1,358 95 

Gross assets, 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 

Balance, .... 



$2,085,549 40 



$163,000 00 
46,851 36 



209,851 36 



. £ 1,875,698 04 



MANCHESTER FIRE ASSURANCE CO. 



371 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capita], . 



$187,629 78 

112,045 94 

38,734 59 

$338,410 31 
10,689 39 

$327,720 92 

1,210,665 98 

53,993 13 

$1,592,380 03 
82,256 34 



$1,510,123 69 

$365,574 35 
200,000 00 



Surplus over capital, $165,574 35 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $304,697 32 

Premiums on risks written or renewed, . . 2,289,899 26 

Total, $2,594,596 58 

Premiums now in course of collection, . . 285,726 59 

Entire premiums collected, .... $2,308,869 99 

Less re-insurance and return premiums, . . 633,738 79 

Net cash fire premiums received, . . . $1,675,131 20 

Interest and dividends received from all sources, . . . 54,229 68 



Gross cash income, $1,729,360 88 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 



$1,223,244 60 
96,298 21 



for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$1,126,946 39 

320,222 89 

79,490 87 

35,470 29 

124,198 85 



Gross cash expenditures, 



. $1,686,329 29 



372 



MANNHEIM INSURANCE CO. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premium!. 

$137,772,113 00 $1,810,506 38 
177,011,757 00 2,289,899 26 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$314,783,870 00 $4,106,405 04 
134,190,858 00 1,852,002 82 



$180,593,012 00 $2,253,802 82 
5,974,592 00 84,179 88 



$174,618,420 00 £2,169,622 94 



Miscellaneous. 
Fire losses incurred during the year, 



. $1,222,020 00 



UNITED STATES BRANCH OF THE "MANNHEIM INSURANCE 
COMPANY," MANNHEIM, GERMANY. 

Deposit Capital, $300,000. 

JAMES J. RILEY, Resident Manager. 

Office, New York City. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

$100,000 00 $112,500 00 

250,000 00 250,000 00 



United States bonds, 
New York city bonds, 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bauk, .... 
Premiums in course of collection (gross), 
Gross assets, 

Unadmitted. 

Cash not in control of trustees, 
Premiums in course of collection in excess of 
unearned premiums, 



$350,000 00 $362,500 00 

31, 1893. 

$362,500 00 

2,220 54 

2,627 31 
29,264 04 
$396,611 89 



£4,847 85 
3,747 19 



8,595 04 



Balance, $388,016 85 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



$10,000 00 

23,847 83 

895 56 



MANNHEIM INSURANCE CO. 



373 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, . 



Income. 

Marine premiums outstanding Dec. 31, 1892, 
Same not collected, 



Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash marine premiums received, 



$25,516 85 
506 22 



Gross cash income, . 



Expenditures 



Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash j>aid for marine and inland losses, 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



$21,679 41 
2,197 42 

$19,481 99 
212,645 99 

$232,127 98 
29,264 04 

$202,863 94 
39,511 23 



$153,015 45 
14,945 48 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$586,994 00 
40,742,133 00 



$41,329,127 00 
39,957,393 00 



$1,371,734 00 
200,093 00 



,766 46 



$327,250 39 
300,000 00 

$27,250 39 



$163,352 71 
$163,352 71 



$138,069 97 
9,729 69 
6,259 68 
3,947 77 
8,191 46 



$166,198 57 



Premiums. 

$13,788 71 
173,134 76 



$186,923 47 
159,486 86 



$27,436 61 
1,919 76 



$1,171,641 00 $25,516 85 



Miscellaneous. 
Marine and inland losses incurred during the year, 



. $127,440 00 



374 



MARINE INSURANCE CO. 



UNITED STATES BRANCH OF THE "MARINE INSURAN 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $300,000. 
F. A. WHITE, Resident Manager. 

Office, New York City. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

New York city bonds, .... 

Pennsylvania Railroad bonds, . 

N. Y. Central & Hudson River R.R. bonds, 



Far Value. 
$100,000 00 

300,000 00 
50,000 00 
25,000 00 



Market Value. 

$113,000 00 

309,000 00 

60,000 00 

25,000 00 



$475,000 00 $507,000 00 



Summary of Assets Dec. 


31, 1893. 


Stocks and bonds, as per schedule, . 


1507,000 00 


Cash in the office of the company, . 


2,830 26 


Cash deposited in bank, 


13,167 02 


Premiums in course of collection (gross), 


41,121 33 


Notes taken for marine and inland risks, 


10,629 26 


Re-insurance, 


8,361 05 


Gross assets, 

Unadmitted. 






Special deposits in other States, 


$113,000 00 


Cash not in control of trustees, 


15,997 28 






Liabilities. 




Losses adjusted, unpaid, 


$120 66 


Losses claimed and reported, .... 


57,100 00 


Total amount of losses, 


$57,220 66 


Less re-insurance, 


14,025 00 


Net amount of unpaid losses, .... 


$43,195 66 


Unearned premiums on outstanding risks, 


58,409 45 


State and local taxes, 


4,000 00 


Commissions and brokerage, .... 


3,932 39 


Re-insurance, 


20,652 79 


Gross liabilities, except capital, 


$130,190 29 


Deduct liability on special deposits, 


18,074 90 


Surplus as regards policy-holders, . 








Surplus over capital, . . . . 


• • • 



$583,108 92 



128,997 28 
$454,111 64 



112,115 39 

$341,996 25 
300,000 00 

$41,996 25 



NATIONAL ASSURANCE CO. 375 

Income. 

Marine premiums outstanding Dec. 31, 1892, . $66,656 63 

Premiums on risks written or renewed, . . 417,531 17 



Total, $484,187 80 

Premiums now in course of collection, . . 51,750 59 



Entire premiums collected, .... $432,437 21 
Less re-insurance and return premiums, . . 191,867 73 

Net cash marine premiums received, . . $240,569 48 

Interest and dividends received from all sources, . . . 10,862 25 



Gross cash income, $251,431 73 

Expenditures. 

Cash paid for marine and inland losses, . . $126,746 81 
Deduct salvage and re-insurance, . . 36,310 10 

Net cash paid for marine and inland losses, . $90,436 71 

Cash paid for commissions and brokerage, .... 46,794 19 

for salaries and expenses, 7,008 98 

for State and local taxes, 4,614 82 



Gross cash expenditures, . $148,854 70 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$14,260,070 00 $51,824 79 
139,265,760 00 417,531 17 



$153,525,830 00 $469,355 96 
135,383,912 00 375,161 88 



$18,141,918 00 $94,194 08 
6,604,974 00 35,784 63 



$11,536,944 00 $58,409 45 



Miscellaneous. 
Marine and inland losses incurred during the year, . . $116,375 00 



l 

UNITED STATES BRANCH OF THE " NATIONAL ASSURANCE 

COMPANY, 11 IRELAND. 

Deposit Capital, $200,000. 

GILBERT PALACHE, Manager. 

Office, San Francisco, Cat. 
^Detailed Statement of Stocks and Bonds. 

Par Vulue. Market Value. 

Boston city bonds $120,000 00 $121,400 00 

Boston & Maine Railroad bonds, . . . 20,000 00 19,400 00 



376 



NATIONAL ASSURANCE CO. 



150 shares Fitchburg Railroad stock, 
Lynn city bonds, .... 
Old Colony Railroad bonds, 
Reading (Pa.) city bonds, 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, ' 

Unadmitted. 
Cash not in control of trustees, 



Par Value. 

$15,000 00 
15,000 00 
20,000 00 
10,000 00 



Market Value. 
? 11,2.00 00 

15,225 00 

21,000 00 

9,800 00 



$200,000 00 $201,075 00 

31, 1893. 

$201,075 00 
6,276 25 

41,301 23 

24,642 00 
$273,294 48 



0,276 25 



Balance, $267,018 23 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



$2,240 76 
2,175 00 
1,800 00 

50,403 43 
3,696 30 



Surplus over capital, 



60,315 49 

|906,702 74 

200,000 00 

$6,702 74 



Income. 

Fire premiums outstanding Dec. 31, 1892, . f 24,994 92 

Premiums on risks written or renewed, . . 85,615 17 

Total, $110,610 09 

Premiums now in course of collection, . . 24,642 00 

Net cash fire premiums received, . . . 



Gross cash income, 



$85,968 09 



$85,968 09 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions, salaries, etc., 
Remitted to home office, 

Gross cash expenditures, . 



. $2,000 00 



$54,699 87 
28,985 99 



rv fiSo 86 



NORTH BRITISH AND MERCANTILE INSURANCE CO. 



377 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$7,643,590 00 
4,453,172 00 



$12,096,762 00 
2,586,135 00 



59,510,627 00 
4,233,830 00 



Premiums. 

$141,431 45 
85,615 17 



Miscellaneous. 
Fire losses incurred during the year (estimated), . 



$227,046 62 
55,648 21 

$171,398 41 
78,472 09 



$5,276,797 00 $92,926 32 



$59,009 00 



UNITED STATES BRANCH OF THE "NORTH BRITISH AND 
MERCANTILE INSURANCE COMPANY, 1 ' LONDON AND EDIN- 
BURGH. 

Deposit Capital, $200,000. 

SAMUEL P. BLAGDEN, Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $420,000 00 $466,945 00 

N. Y. Central & H. R. Railroad bonds, . . 500,000 00 617,500 00 

West Shore Railroad bonds, .... 400,000 00 404,000 00 

N. Y., Lackawanna & Western R.R. bonds, . 100,000 00 126,000 00 

Del. & Hudson Canal Co. bonds, . . . 61,000 00 83,570 00 

St. Paul & Northern Pacific Railroad bonds, . 50,000 00 57,125 00 

Chicago & North Western Railroad bonds, . 156,000 00 213,265 00 

Baltimore & Ohio Railroad bonds, . . . 200,000 00 221,155 00 

City of Boston bonds 80,000 00 83,200 00 

New York county stock 31,000 00 37,430 00 

New York city bonds, 18,000 00 21,092 00 

Alabama bonds, 10,000 00 10,000 00 

Virginia bonds, 41,100 00 22,605 00 

West Virginia certificates, .... 18,66667 1,36700 

Underwriters 1 Salvage Co. (N. Y.), . . 1,000 00 1,000 00 

Hercules Ice Machine Co.'s st'k (Chicago, 111.), 250 00 250 00 

Milwaukee Underwriters' Build'g Asso. stock, 181 00 181 00 



$2,087,197 67 $2,366,685 00 



Summary of Assets Dec. 31, 1893. 
Casli value of unencumbered real estate, . $465,360 84 

Stocks and bonds, as per -schedule, -. -. '. 2,366,685 00 



378 



NORTH BRITISH AND MERCANTILE INSURANCE CO. 



Cash in the office of the company, . . . $2,757 21 

Cash deposited in bank 132,544 37 

Interest due and accrued 48,091 00 

Premiums in course of collection (gross), . 369,160 19 

Notes taken for fire risks, .... 7,804 00 

Rents due and accrued, . ... . . 1,921 25 

Re-insurance, etc., 11,276 82 

Premiums more than 3 months due, $34,737 04 

Gross assets, 

Unadmitted. 

Special deposits, $245,167 00 

Securities not in control of trustees, . . 84,601 00 

Cash not in control of trustees, . . . 126,057 02 



$3,405,600 68 



455,8: 



Balance, $2,949,775 66 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Bills payable, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



Income. 
Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



$151,918 31 

251,273 04 

50,499 79 

$453,691 14 
31,154 82 



$422,536 32 

1,879,223 32 

64,916 15 

11,538 90 

$2,378,214 69 
182,425 00 



Entire premiums collected, .... $2,976,863 17 
Less re-insurance and return premiums, . . 576,017 26 
Net cash lire premiums received, 
Interest and dividends received from all sources, . 
Income from rents, 



$455,190 49 
2,925,569 91 

$3,380,760 40 
403,897 23 



2,195,789 69 

?753,985 97 
200,000 00 

£553,985 97 



$2,400,845 91 

115,841 41 

17,749 84 



Gross cash income, . . . . . . . • $2,534,437 16 



NORTHERN ASSURANCE CO. 



379 



Expenditures. 

Cash paid for fire losses, $ 1,919,461 79 

Deduct salvage and re-insurance, . . . 133,981 20 

Net cash paid for fire losses, .... $1,785,480 59 

Cash paid for commissions and brokerage, .... 374,279 89 



for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, $2,569,191 50 



236,805 25 

58,095 91 

114,529 86 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$356,669,602 00 $3,860,061 13 
265,684,841 00 2,925,569 91 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$622,354,443 00 $6,785,631 04 
275,504,905 00 2,942,697 26 



$346,849,538 00 $3,842,933 78 
18,088,317 00 176,328 85 



$328,761,221 00 $3,666,604 93 



Miscellaneous. 
Fire losses incurred during the year, 



. $1,850,997 00 



UNITED STATES BRANCH OF THE "NORTHERN ASSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
H. 8. WHEELOCK, New England Manager. 

Office, 27 Kilby Street, Boston. 



Detailed Statement of 



United States bonds, 
Salem (Oregon) city bonds, 
New York city bonds, 
Boston city bonds, 
St. Louis city bonds, . 
Providence city bonds, 
St. Paul city bonds, . 
Minneapolis city bonds, 
Massachusetts State bonds, 
Pennsylvania Railroad bonds, 
West Shore Railroad bouds, 



Stocks and Bonds. 

Par Value. 

$385,000 00 
40,000 00 

200,000 00 

139,500 00 
40,000 00 
52,500 00 
50,000 00 

100,000 00 
25,000 00 

100,000 00 
50,000 00 



Market Value. 

$431,200 00 
40,000 00 
198,000 00 
147,172 50 
40,400 00 
53,025 00 
50,250 00 
98,000 00 
26,875 00 
99,000 00 
51,937 50 



f 1, 182,000 00 $1,235,860 00 



380 



NORTHERN ASSURANCE CO. 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Re-insurance, etc., ..... 
Premiums more than 3 months due, $14,956 76 
Gross assets, 

Unadmitted. 
Special deposits in other States, 
Cash not in control of trustees, 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Re-insurance, 

Suspense account, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



. $278,086 87 
>,000 00 

Surplus over capital, ........ $78,086 87 

Income. 
Fire premiums outstanding Dec. 31, 1892, . $210,699 93 
Premiums on risks written or renewed, . . 1,629,210 49 

Total $1,839,910 42 

Premiums now in course of collection, . . 242,425 80 

Entire premiums collected, .... $1,597,484 62 
Less re-insurance and return premiums, . . 345,111 19 

Net cash fire premiums received, . . . §1,252,373 43 

Interest and dividends received from all sources, . . . 46,304 26 

Remittances from home office, . . . $179,884 00 

Gross cash income, ........ $1,298,677 69 



31, 1893. 

$114,544 44 

1,235,860 00 

3,189 50 

60,309 64 

8,300 00 

227,469 04 

7,418 27 



$1,657,090 89 



$247,200 00 
63,499 14 



310,699 14 
$1,346,391 75 



$41,262 40 

106,970 49 

26,077 79 



$174,310 68 
14,686 00 

$159,624 68 

1,014,487 60 

1,512 80 

32,972 53 

5,318 08 

2,702 92 

$1,216,618 61 
148,313 73 



1,068,304 88 



NORWICH UNION FIRE INSURANCE SOCIETY. 381 



Expenditures. 
Cash paid for fire losses, $1,024,880 75 

Deduct salvage and re-insurance, . . . 72,712 48 

Net cash paid for fire losses, .... $952,168 27 

Cash paid for commissions and brokerage, .... 199,288 78 

for salaries of officers and employees, . . . 81,531 08 

for State and local taxes, 33,870 85 

for incidentals, 130,181 49 

Remitted to home office, $75,933 36 

Gross cash expenditures, $1,397,040 47 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1892, . $170,332,171 00 $1,942,573 42 
Fire risks written during 1893, . . 138,187,700 00 1,629,210 49 



Total, $308,519,871 00 $3,571,783 91 

Deduct risks expired and terminated, . 137,140,879 00 1,542,609 30 



In force at end of year, .... $171,378,992 00 $2,029,174 61 
Deduct amount re-insured, . . . 6,688,775 00 72,668 40 



Net amount in force, . . . $164,690,217 00 $1,956,506 21 

Miscellaneous. 
Fire losses incurred during the year, $953,737 00 



UNITED STATES BRANCH OF THE "NORWICH UNION FIRE 
INSURANCE SOCIETY," NORWICH, ENGLAND. 

Deposit Capital, $200,000. 
J. MONTGOMERY HARE, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $508,000 00 $574,040 00 

New York city water loan, 

New York Central & Hudson Riv. R.R. bonds 

West Shore Railroad bonds, 

Pennsylvania Company's bonds, 

Pennsylvania Equipment Trust certificates, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Rock Island & Pacific R'y bonds, 

Lake Shore & Michigan Southern R'y bonds, 

Richmond City, Va., bonds, 

Lehigh & Wilkesbarre Coal Co. bonds, . 

N. Y., Chicago & St. Louis RR. bonds, . 



100,000 00 101,000 00 

75,000 00 93,750 00 

40,000 00 40,400 00 

150,000 00 155,250 00 

52,000 00 50,960 00 

100,000 00 87,000 00 

90,000 00 89,887 50 

118,000 00 142,190 00 

50,000 00 53,000 00 

8,000 00 8,520 00 



100,000 00 97,500 00 



$1,391,000 00 $1,493,497 50 



382 



NORWICH UNION FIRE INSURANCE SOCIETY. 



Summary of Assets Dec. 31, 1893. 

Loans on mortgage of real estate (first liens), $40,000 00 

Interest clue or accrued thereon, . . . 150 00 

Stocks and bonds, as per schedule,. . . . 1,493,497 50 

Cash in the office of the company, . . . 2,805 52 

Cash deposited in bank, 188,365 00 

Premiums in course of collection (gross), . 98,560 04 

Miscellaneous, 83 05 

Premiums more than 3 months due, $ 13,826 60 

Gross assets, $1,823,461 11 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$232,730 00 
6,197 06 



238,927 06 



Balance, $1,584,534 05 



Liabilities. 

Losses adjusted and reported, . 
Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, 



£254,283 65 
16,433 21 

$237,850 44 

1,154,673 96 

1,719 10 

18,802 97 

$1,413,046 47 
103,700 00 



1,309,346 47 

$275,187 58 
200,000 00 

$75,187 58 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $99,934 13 
Premiums on risks written or renewed, . . 1,945,697 35 

Total, $2,045,631 48 

Premiums now in course of collection, . . 112,386 64 

Entire premiums collected, .... $1,933,244 84 
Less re-insurance and return premiums, . . 397,459 11 

Net cash fire premiums received, . . . $1,535,785 73 

Interest received on mortgages, 1,800 00 

Interest and dividends received from all other sources, . . 69,069 60 

Gross cash income, $1,606,655 33 



THE PALATINE INSURANCE CO., LIMITED. 



383 



Expenditures. 

Cash paid for fire losses, $1,212,960 27 

Deduct salvage and re-insurance, . . . 102,592 86 



Net cash paid for fire losses, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$213,540,794 00 
180,112,042 00 

$393,652,836 00 
172,157,921 00 

$221,494,915 00 
7,995,003 00 



$1,110,367 41 

267,606 35 

125,058 32 

19,278 80 

107,580 11 

$1,629,890 99 

Premiums. 

12,242,750 50 
1,945,697 35 



54,188,447 85 
1,867,080 13 



$2,321,367 72 
85,346 47 



$213,499,912 00 $2,236,021 25 



Miscellaneous. 
Fire losses incurred during the year, 



$1,141,568 00 



UNITED STATES BRANCH OF "THE PALATINE INSURANCE 
COMPANY, LIMITED,' 1 OF MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 

WM. WOOD, Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $400,000 00 $452,000 00 

Chicago, Rock Island & Pacific R.R. bonds, . 100,000 00 100,000 00 

West Shore R.R. bonds, 139,000 00 144,560 00 

Missouri, Kansas & Texas Railroad bonds, . 100,000 00 78,000 00 

Brooklyn City & Newtown Railroad bonds, . 50,000 00 52,000 00 

Baltimore & Ohio Railroad bonds, . . . 97,000 00 105,710 00 

Chicago & Northwestern Railroad bonds, . 99,000 00 100,870 00 

New York city bonds, 200,000 00 200,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 60,000 00 57,425 00 

New York Elevated Railroad bonds, . . 50,000 00 56,500 00 

N. Y., Lake Erie & West. Coal & R R. bonds, 25,000 00 27,500 00 

New York Cent & Hudson River R.R. bonds, 29,000 00 32,925 00 

Beech Creek Railroad bonds, .... 25,000 00 25,470 00 

Chicago, Burlington & Quincy R.R bonds, . 40,000 00 38,800 00 

Oregon Railway & Navigation Co bonds, . 7,000 00 7,280 00 



384 



THE PALATINE INSURANCE CO., LIMITED. 



Southern Kansas Railroad bonds, 
State of Georgia bonds, . 



Par Value. Market Value- 

$52,000 00 $31,200 00 
26,000 00 24,2.0') 



$ 1,498,000 00 $1,534,490 00 



Summary of Assets Dfx. 31, 1893. 

Loans on mortgage of real estate (first liens*), 0,000 00 

Interest due or accrued thereon, . . . 200 00 

Stocks and bonds, as per schedule, . . . 1,534,490 00 

Cash in the office of the company, . . . 1,824 85 

Cash deposited in bank, 275,756 75 

Interest due and accrued 4,555 52 

Premiums in course of collection (gross), . 366,305 03 

Re-insurance, 10,432 23 

Premiums more than 3 months due, $12,410 20 

Gross assets, 



?2,243,564 38 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$74,250 00 
13,726 20 



87,976 20 



Balance, $2,155,588 18 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 

Surplus over capital, . 



$24,545 99 

346,812 34 

20,997 08 



£392,355 41 
20,075 00 



$372,280 41 

1,274,717 66 

430 86 

573 85 

64,678 92 

35,554 59 

388 49 

§1,748,624 78 
26,942 12 



1.721,682 66 



$433,905 52 
200,000 00 

?233,905 52 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$125,000 00 

25,000 00 

5,000 00 



THE PALATINE INSURANCE CO., LIMITED, 



385 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



$365,274 29 
2,793,124 92 

33,158,399 21 
378,715 23 



Entire premiums collected $2,779,683 98 

Less re-insurance and return premiums, . . 465,129 94 

Net cash fire premiums received, . . . $2,314,554 04 

Interest received on mortgages, 3,000 00 

Interest and dividends received from all sources, . . . 46,980 25 
Amount transferred from " United Fire " and 

" City of London " Fire Ins. Go's. . . . $626,280 00 

Gross cash income, $2,364,534 29 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 



. $1,315,288 11 
22,111 97 



for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 



- $1,293,176 14 

487,089 82 

111,287 89 

18,637 09 

92,785 63 

. $2,002,976 57 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$110,153,226 00 $1,046,086 35 
247,097,427 00 2,793,124 92 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$357,250,653 00 $3,839,211 27 
158,308,307 00 1,477,652 52 



$198,942,346 00 $2,361,558 75 
1,868,107 00 27,284 84 



$197,074,239 00 $2,334,273 91 



Miscellaneous. 
Fire losses incurred during the year, 



. $1,609,954 00 



386 



PHCENIX ASSURANCE CO. OF LONDON. 



UNITED STATES BRANCH OF THE "PHOENIX ASSURANCE 
COMPANY OF LONDON," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

A. D. IRVING, Resident Manager. 

Office, New York, N. T. 
Detailed Statement of Stocks and Bonds. 



United States bonds, 

Central Railroad of New Jersey bonds, . 
Chicago, Rock Island & Pacific R.R. bonds, 
New York, Chicago & St. Louis R.R. bonds, 
West Shore Railroad bonds, 
Penns}*lvania Company bonds, . 
Chicago & Northwestern Railroad bonds, 



Par Value. Market Value. 

$1,198,000 00 11,363,74 

50,000 00 56,625 00 



50,000 00 
50,000 00 
120,000 00 
25,000 00 
43,000 00 



55,0U0 00 

.750 00 

122,400 00 

27,500 00 

46,440 00 



Atchison, Topeka& Santa Fe Railroad bonds, . 50,000 00 '00 



$1,586,000 00 11,760,465 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1893. 

$1,760,455 00 

967 56 

344,719 02 

16,817 50 

297,152 61 



$2,420,111 69 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$220,350 00 
30,038 38 



250,388 38 



Balance, $2,169,723 31 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 



$72,298 00 

387,283 00 

34,720 00 

$494,301 00 
195,145 00 



Net amount of unpaid losses, 



299,156 00 



PHOENIX ASSURANCE CO. OF LONDON. 



387 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



$1,464,567 36 
46,205 27 

$1,809,928 63 
122,575 68 



$1,687,352 95 

$482,370 36 
200,000 00 

$282,370 36 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $230,798 55 

Premiums on risks written or renewed, . . 3,352,642 27 

Total, $3,583,440 82 

Premiums now in course of collection, . . 297,152 61 

Entire premiums collected, .... $3,286,288 21 

Less re-insurance and return premiums, . 1,404,015 41 

Net cash fire premiums received, . . . $1,882,272 80 

Interest and dividends received from all sources, . . . 78,096 86 



Gross cash income, $1,960,369 66 



Expenditures. 



Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . . ». 
for incidentals, ... 

Gross cash expenditures, .... 



. $2,132,115 28 
815,171 69 



$1,316,943 59 

370,657 44 

85,669 64 

71,539 42 

118,211 82 



$1,963,021 91 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

Premiums. 

$388,321,005 00 $3,507,188 54 
336,632,320 00 3,352,642 27 



Total, 

Deduct risks expired and terminated, 

In force at end of }*ear, 
Deduct amount re-insured, 

Net amount in force, . 



$724,953,325 00 $6,859,830 81 
301,651,709 00 2,684,522 65 



$423,301,616 00 $4,175,308 16 
126,398,344 00 1,277,135 42 



$296,903,272 00 $2,898,172 74 



Miscellaneous. 
Fire losses incurred during the year, 



. $1,314,696 00 



388 



PRUSSIAN NATIONAL INSURANCE CO. 



UNITED STATES BRANCH OF THE "PRUSSIAN NATIONAL 
INSURANCE COMPANY," STETTIN, GERMANY. 

Deposit Capital, $200,000. 

THEODORE W. LETTON, Resident Manager. 

Office, Chicago, III. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

Baltimore & Ohio Railroad bonds, . 
Beech Creek Railway bonds, . 
Chesapeake & Ohio Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
E. Tenn., Virginia & Georgia Railroad bonds 

Erie Railway bonds, 

Illinois Central Railroad bonds, 
Lake Erie & Western Railioad bonds, 
Lehigh Valley Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Memphis & Charleston Railroad bonds, . 
Metropolitan Elevated Railway of N. Y. bonds 
Montana Central Railroad bonds, 
Mil., Lake Shore & Western Railroad, 
New York, Chicago & St. Louis Railroad, 
Rochester & Pittsburgh Railroad bonds, . 
St. Paul, Minn. & Manitoba Railroad, 
St Paul & Sioux City bonds, . 
Union Elevated Railway bonds, 
Valley Railroad of Ohio bonds, 



Par Value. 

$200,000 00 
30,000 00 
30,000 00 
10,000 00 
30,000 00 

9,000 00 
10,000 00 

8,000 00 
14,000 00 
29,000 00 
31,000 00 
10,000 00 
12,000 00 
11,000 00 
11,000 00 
30,000 00 
14,000 00 

5,000 00 

1,000 00 
30,000 00 
30,000 00 



Market Value. 

$226,000 00 

33,825 00 

30,900 00 

9,950 00 

32,850 00 

9,1.-0 00 

13,350 00 

8,160 00 

15,820 00 

29,000 00 

34,370 00 

11,850 00 

14,340 00 

10,945 00 

13,640 00 

29,175 00 

17,220 00 

5,775 00 

1,240 00 

28,200 00 

30,000 00 



$555,000 00 $605,790 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1893. 

$605,790 00 

8,347 44 

26,485 47 

8,628 33 

114,257 98 



$763,509 22 



Unadmitted. 



Cash not in control of trustees, 



34,832 91 



Balance, $728,676 31 



PRUSSIAN NATIONAL INSURANCE CO. 



389 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due for borrowed money, 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 



$27,843 12 

29,099 00 

3,070 00 

$60,012 12 
3,514 40 

$56,497 72 

267,333 00 

7,593 48 

20,682 48 

6,830 32 

9,753 70 



$368,690 70 



$359,985 61 
200,000 00 



$159,985 61 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, .... 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1892, . 

Premiums on risks written or renewed, . 

Cash marine premiums received, 

Interest and dividends received from all sources, 



!,881 97 

596,855 64 

$679,737 61 

114,257 98 

$565,479 63 

147,712 77 

$21 21 

619 86 



$417,766 86 



641 07 
24,170 85 



Gross cash income, $442,578 78 



Expenditures. 

Cash paid for fire losses, $283,572 74 

Deduct salvage and re-insurance, . . . 25,176 57 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

Gross cash expenditures* .... 



$258,396 17 

1,007 74 

94,339 79 

40,615 90 

8,046 89 

27,385 78 



$429,792 27 



390 THE RELIANCE MARINE INSURANCE CO. (LIMITED;. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1892, 
Deduct risks expired and terminated, 



$26,319,308 00 
43,893,680 00 


Premiums. 

|3€i 

696,855 64 


$70,212,988 00 
. • 31,298,735 00 


$958,862 34 
408,788 21 


$38,914,253 00 
3,345,996 00 


$550,074 13 
63,009 08 


$35,568,257 00 

$3,885 00 
3,885 00 


$487,065 05 

$12 90 
12 90 



Miscellaneous. 
Fire losses incurred during the year, 



1,036 00 



UNITED STATES BRANCH OF "THE RELIANCE MARINE IN- 
SURANCE COMPANY (LIMITED)," LIVERPOOL. 

Deposit Capital, $300,000. 
HENRY DESPARD, Resident Manager. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 
New York city bonds, 
Brooklyn city r bonds, 
Boston city bonds, 



Par Value. 

$50,000 00 

200,000 00 

50,000 00 

30,000 00 



Market Value. 

$56,250 00 

200,000 00 

51,000 00 

29,700 00 



$330,000 00 $336,950 00 



Summary of Assets Dec. 31, 1893. 



Stocks and bonds, as per schedule. . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Premiums more than 3 months due, $658 58 

Gross assets, . - 



$336,950 00 

52 80 

2,504 31 

2,637 50 

30,797 21 

7,636 02 

163 66 



$380,741 



THE RELIANCE MARINE INSURANCE CO. (LIMITED). 391 



Unadmitted. 

Securities not in control of trustees, . . $28,125 00 

Cash not in control of trustees, . . 2,557 11 
Premiums in course of collection in excess of 

unearned premiums, • . . . . 17,589 87 



$48,271 98 



Balance, $332,469 52 



Liabilities. 

Losses adjusted and reported, . 
Losses disputed or resisted, " . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Re-insurance, . . . . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 

Impairment of capital,* 



$12,341 95 
4,925 00 

$17,266 95 
287 86 

$16,979 09 

20,843 36 

383 33 

1,966 07 

3 968 01 



44,139 86 



$288,329 66 
300,000 00 



$11,670 34 



Income. 

Marine premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash m'arine premiums received, 

Interest and dividends received from all sources, 

Income from all other sources, 

Gross ca>h income, . . . . 



$31,780 08 
210,668 65 

$242,448 73 
39,091 81 

$203,356 92 
50,886 28 

_ $152,470 64 

10,839 71 
888 56 



$161,198 91 



Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, . 



$124,084 80 
41,534 17 



$82,550 63 



* Since rendering its annual statement there have been deposited with the trustees $15,000 Old 
Colony Railroad bonds. 



392 



ROYAL INSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1892, 
Marine risks written during 1893, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



81,128,726 00 
26,559,504 00 



$27,688,230 00 
. 26,776,840 00 



$911,390 00 
27,268 00 



$17,591 94 

9,576 91 

5,014 80 

12,536 31 



§127,270 59 

Premiums. 

$21,350 15 
210,608 65 

$232,018 80 
199,410 41 



$32,608 39 
399 90 



$884,122 00 $32,208 49 



Miscellaneous. 
Marine and inland losses incurred during the year, 



f 118,318 00 



UNITED STATES BRANCH OF THE "ROYAL INSURANCE 
COMPANY," LIVERPOOL, ENGLAND. 

Office 85 Water Street, Boston. 
Deposit Capital, $235,000. 
SCULL & FIELD, Managers of the New England Branch. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

United States bonds, £560,000 00 ?630,000 00 

Albany & Susquehanna Railroad bonds, . . 100,000 00 118,000 00 

Brooklyn & Montauk Railroad bonds, . . 25,000 00 27,000 00 

Central Railroad of New Jersey bonds, . . 200,000 00 228,000 00 

Chicago, Burlington & Quincy R R. bonds, . 50,000 00 62,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 62,000 00 79,980 00 

Chicago & Northwestern Railroad bonds, . 100,000 00 138,500 00 

Chicago, Rock Island & Pacific R.R. bonds, . 100,000 00 125,000 00 

Cin., Ind., St. Louis & Chicago R.R bonds, . 100,000 00 94,000 00 

Cleveland & Pittsburgh Railroad bonds, . 100,000 00 109,000 00 

Delaware & Hudson Canal bonds, . . . 40,000 00 56,000 00 

Illinois Central Railroad bonds, . . . 100,000 00 106,000 00 

Lake Erie & Western Railroad bonds, . . 30,000 00 34,050 00 

Lehigh Valley Railroad bonds, . . . 350,000 00 356,000 00 

Michigan Central Railroad bonds, . . . 170,000 00 179,360 00 

Milwaukee & St, Paul Railroad bonds, . . 100,000 00 127,000 00 

Morris & Essex Railroad bonds, . . . 16,000 00 22,400 00 

N. Y. Central & Hudson River R.R. bonds, . 100,000 00 128,000 00 

New York, Chicago & St. Louis R.R. bonds, . 100,000 00 99,000 00 



ROYAL INSURANCE CO. 



393 



New York & Harlem Railroad bonds, 
N. Y., Lackawanna & Western R.R. bonds, 
Pennsylvania Railroad bonds, .... 
Pittsburgh, Fort Wayne & Chic. R.R. bonds, . 
Philadelphia & Reading Railroad bonds, 
Rome, Watertown & Ogdensburg R.R. bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds, 
Syracuse, Binghamton & N. Y. R.R. bonds, 
United New Jersey Railroad Canal Co. bonds, 
AVest Shore Railroad bonds, .... 
Winona & St. Peter Railroad bonds, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Re-insurance and salvage, 
Premiums more than 3 months due, $ 16,225 47 
Gross assets, 



Par Value. 

$110,000 00 

100,000 00 

5,000 00 

14,000 00 

100,000 00 

25,000 00 

75,000 00 

50,000 00 

200,000 00 

100,000 00 

38,000 00 



Market Value. 

$129,800 00 

131,000 00 

6,500 00 

19,180 00 

103,000 00 

28,500 00 

87,000 00 

64,500 00 

210,000 00 

103,000 00 

49,400 00 



$3,220,000 00 $3,651,170 00 

31, 1893. 

$1,818,200 10 

109,000 00 

356 92 

3,651,170 00 

14,913 33 

672,092 02 

5,647 41 

731,156 96 

1,456 98 

15,125 18 

1,937 54 

$7,021,056 44 



Unadmitted. 



Real estate, . 

Special deposits, 

Cash not in control of trustees, 

Underwriters 1 salvage, 



$127,043 86 

253,125 00 

103,050 04 

1,000 00 



484,218 90 



Balance, $6,536,837 54 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 



Liabilities. 



$32,643 9G 

667,564 23 

61,706 00 



$761,914 19 
204,094 41 



$557,819 78 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$190,000 00 
109,000 00 



394 



ROYAL INSURANCE CO. 



Unearned premiums cm outstanding risks, 
Reclaimable on perpetual fire policies, 
Liability under life department, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 
Re-insurance, ..... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Deposit capital,. 



$4,057,616 36 

166,657 45 

113,500 00 

8,375 87 

15,451 22 

104,286 56 

17,287 94 

205,829 41 

$5,246,824 50 
210,946 82 



- $5,035,877 77 

. $1,500,959 77 
235,000 00 



Surplus over capital, $1,265,959 77 



Income. 

Fire premiums outstanding Dec. 31, 1892, . $686,751 83 
Premiums on risks written or renewed, . . 6,645,110 35 

Total $7,331,862 18 

Premiums now in course of collection, . . 748,839 41 

Entire premiums collected, .... $6,583,022 77 
Less re-insurance and return premiums, . . 1,657,892 00 

Net cash fire premiums received, . . . £4,925,130 77 

Interest and dividends received from all sources, . . . 184,499 61 

Income from rents, 67,29;'. 

Deposits received for perpetual fire risks, . $20,236 27 

Gross cash income, $5,176,923 95 



EXPENDITCRES. 

Cash paid for fire losses, $3,811,010 46 

Deduct salvage and re-insurance, . . . 541,923 72 

Net cash paid for fire losses $3,269,086 74 

Cash paid for commissions and brokerage, .... 856,739 33 
for salaries of officers and employees, . . . 349,337 36 

for State and local taxes, 107,646 26 

for incidentals, 269,737 38 

Deposits returned on perpetual fire risks, . . $ 4,654 88 



Gross cash expenditures, 



. $4,852,547 



THE ROYAL EXCHANGE ASSURANCE. 395 

Risks and Premiums. 



Premiums. 

$765,564,009 00 $7,335,182 61 
717,934,355 00 6,645,110 35 



$1,483,498,364 00 $13,980,292 96 
603,668,195 00 5,575,305 43 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 7,284,979 00 7,102 72 

Miscellaneous. 
Fire losses incurred during the year, $3,203,592 00 



$879,830,169 00 $8,404,987 53 
89,285,998 00 692,877 85 



,544,171 00 $7,712,109 68 



UNITED STATES BRANCH OF "THE ROYAL EXCHANGE 
ASSURANCE," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
ROBERT DICKSON, Resident Manager. 

Office, San Francisco, Cal. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $267,600 00 $305 064 00 

Boston city bonds, 22,000 00 24,024 75 



$289,600 00 $329,088 75 

Summary of Assets Dec. 31, 1893. 

Stocks and bonds, as per schedule, . . . $329,088 75 

Cash in the office of the company, . . . 1,104 77 

Cash deposited in bank, 4,973 91 

Interest due and accrued, 2,676 00 

Premiums in course of collection (gross), . 44,352 50 

Gross assets, $382,195 93 

Unadmitted. 
Special deposits in other States, . . . $57,000 00 
Cash not in control of trustees, . . . 6,078 68 



63,078 68 



Balance, $319,117 25 

Liabilities. 
Losses claimed and reported, .... $6,700 00 

Less re-insurance, . . - . . 2,615 00 



Net amount of unpaid losses, .... $4,085 00 

Unearned premiums on outstanding risks, . 116,682 41 



396 



THE ROYAL EXCHANGE A88UEANCB. 



Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, 



$9,757 56 
1,137 46 

$131,662 43 
14,536 00 



$117,126 43 

8 2' 1 1 ,990 82 
',000 00 

$1,990 82 



Income. 
Fire premiums outstanding Dec. 31, 1892, . $42,314 56 
Premiums on risks written or renewed, . . 207,322 93 

Total $249,637 49 

Premiums now in course of collection, . . 44,352 50 

Entire premiums collected, .... $205,284 99 
Less re-insurance and return premiums, . . 45,406 15 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Gross cash income, . 

Expendituri 

Cash paid for fire losses $46,130 70 

Deduct salvage and re-insurance, ... 17 35 

Net cash paid for fire losses, .... $46,113 35 

Cash paid for commissions and brokerage, .... 47,300 37 
for salaries of officers and employees, . . . 13,559 62 

for State and local taxes, 960 89 

for incidentals, 15.574 

Remitted to home otHce, $44,002 00 

Gross cash expenditures, $123,509 08 



$159,878 84 
l'>,482 00 

Y 170,360 84 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, . 

Miscellaneous 
Fire losses incurred during the year, 



$9,260,373 00 
12,972,419 00 



Premiums. 

$152,506 31 
207,322 93 



£22,232,792 00 
8,667,520 00 



$13,565,272 00 
864,174 00 



$359,829 24 
135,121 81 

$224,707 43 
15,139 32 



$12,701,098 00 $209,568 11 



£44,939 00 



SCOTTISH UNION AND NATIONAL INSURANCE CO. 



307 



UNITED STATES BRANCH OF THE "SCOTTISH UNION AND 
NATIONAL INSURANCE CO," EDINBURGH, GREAT BRITAIN. 

Deposit Capital, $200,000. 
M. BENNETT, Manager. 

Office, Hartford, Conn. 



Detailed Statement of Stocks 



United States bonds, . 

County of Middlesex debentures, 

City of Toronto bonds, 

Ontario Railway bonds, . 

Canada inscribed stock, . 

City of Richmond bonds, . 

Funded Debt of Ohio bonds, 

Georgia State bonds,. 

Freehold Loan and Savings Co. debenture, 

New York city bonds, 

Land Security Company debentures, 

Central Canada Loan & Savings Co. debenture, 



and Bonds. 

Par Value. 

$50,000 00 

50,000 00 

1,500 00 

51,912 00 

100,000 00 
50,000 00 

100,000 00 
25,000 00 
25,000 00 

200,000 00 
25,000 00 
25,000 00 



Market Value. 

$50,625 00 

53,565 00 

1,500 00 

42,106 81 

110,000 00 
50,000 00 

105,000 00 
25,000 00 
25,000 00 

202,000 00 
25,000 00 
25,000 00 



$703,412 00 $720,796 84 



Summary of Assets Dec. 31, 1893. 
Loans on mortgage of real estate (first liens*), $1,238,170 00 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Gross assets, 

Unadmitted. 
Special deposits, 

Securities not in control of trustees, 

Cash not in control of trustees, 



18,712 96 

720,796 84 
1,000 00 

291,477 52 
4,930 56 

266,877 24 
1,284 00 



$346,625 00 
3,642 60 
1,0C0 00 



1,543,249 12 



351,267 60 



Balance, $2,191,981 52 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



$73,475 53 
99,000 00 
11,700 00 



* Value of lands mortgaged $1,478,997 00 

Value of buildings thereon, 1,582,473 00 

Amount of insurance held as collateral, .... 1,310,925 00 



398 



SCOTTISH UK ION AND NATIONAL INSURANCE CO. 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, . 



Surplus over capital, 



$860,864 91 
36,080 46 
40,623 10 

$1,121,744 00 
254,640 88 



$867,103 12 

. $1,324,878 40 
200,000 00 



$1,124,878 40 



Income. 

Fire premiums outstanding Dec. 31, 1892, 
Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 



Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 



$1,269,453 09 

64,218 34 
Inter, st and dividends received from all other sources, . . 20,723 16 



$171,072 23 
2,422,631 41 



$2,593,703 64 
266,877 24 



$2,326,826 40 
1,057,373 31 



Gross cash income, $1,360,394 59 



EXPENDITURES. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$722,313 27 

225,605 96 
60,561 97 
31,911 08 
55,674 79 

$1,096,007 7 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 



Risks and Premiums. 

rremiums. 

$185,699,701 00 $1,835,121 30 
239,062,047 00 2,422,631 41 



Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . . . 



$424,761,748 00 $4,257,752 71 
177,188,404 00 1 836,897 68 



$247,573,344 00 $2,420,855 03 
82,521,742 00 826,812 06 



$165,051,602 00 $1,594,042 97 



Miscellaneous. 
Fire losses incurred during the year, 



$767,391 00 



SUN INSURANCE OFFICE. 



399 



UNITED STATES BRANCH OF THE "SUN INSURANCE OFFICE," 

LONDON, ENGLAND. 

Deposit Capital, $400,000. 

J. J. GUILE, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $504,000 00 $566,010 00 

Savannah & Western Railroad bonds, . . 25,000 00 8,500 00 

Central Railroad of New Jersey bonds, . . 25,000 00 28,375 00 

St. Paul & Lake Superior Railroad bonds, . 15,000 00 15,393 75 

Minn., Sault Ste. Marie & Atlantic R.R. bonds, 25,000 00 24,937 50 

Baltimore & Ohio Railroad bonds, . . . 25,000 00 26,125 00 

Clev., Cin., Chicago & St. Louis R R. bonds, . 25,000 00 23,750 00 

Louisville & Nashville Railroad bonds, . . . 25,000 00 27,500 00 

Norfolk & Western Railroad bonds, . . 20,000 00 21,000 00 

Atchison, Topeka & Santa F6 R.R. bonds, . 25,000 00 17,031 25 

New York, Chicago & St. Louis R.R. bonds, . 50,000 00 48,750 00 

Rio Grande Junction Railroad bonds, . . 25,000 00 23,125 00 

Cincinnati, Hamilton & Dayton R R. bonds, . 50,000 00 51,000 00 

Lehigh Valley Terminal bonds, . . . 50,000 00 54,000 00 

Terminal of St. Louis Railroad bonds, . . 25,000 00 24,250 00 

Dakota & Great Southern Railroad bonds, . 25,000 00 26,000 00 

Milwaukee, Lake Shore & Western R.R. bonds, 25,000 00 26,687 50 

N. Y., Lake Erie & Western R.R. bonds, . 50,000 00 65,700 00 

Pittsburgh, Fort Wayne & Chicago stock, . 30,000 00 42,000 00 

Atchison mortgage notes, .... 50,000 00 50,000 00 

West End Street Railway Company bonds, . 50,000 00 51,000 00 

St. Louis bridge bonds, . . . * . . 25,000 00 32,500 00 

Proctor & Gamble bonds, 25,000 00 26,875 00 

Underwriters' Salvage Company stock, . . 1,000 00 1,000 00 



$1,195,000 00 f 1,281,510 00 



Summary. of Assets Dec. 31, 1893. 

Cash value of unencumbered real estate, . $240,000 00 

Loans on mortgage of real estate (first liens*), 486,000 00 

Interest due or accrued thereon, . . 7,675 00 

Stocks and bonds, as per schedule, . . 1,281,510 00 

Cash in the office of the company, . . . 299 83 

Cash deposited in bank, . ... . . 128,235 50 

Interest due and accrued, 23,898 56 



* Value of lands mortgaged, . $510,000 00 

Value of buildings thereon 305,000 00 

Amount of insurance held as collateral 242,000 00 



400 



SUN INSURANCE OFFICE. 



Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Gross assets, 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$279,091 36 
1,016 66 
1,216 25 



$207,575 00 
1,127 10 



$2,449,543 16 



208,702 10 



Balance, $ 2,240,841 06 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



$175,082 83 

141,208 20 

35,715 00 

$352,006 03 
17,793 45 

$334,212 58 

1,530,962 34 

833 33 

27,133 57 

7,870 18 



$1,901,012 00 
170,338 11 



1,730,673 89 

$510,167 17 
200,000 00 



$310,167 17 



Income. 

Fire premiums outstanding Dec. 31, 1892 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on morto;a£es, 
Interest and dividends received from all 
Income from rents 



Gross cash income, 



other 



$385,056 25 
2,662 81 

$382,393 44 
2,534,419 27 



$2,916,812 71 
279,091 36 

$2,637,721 35 
656,113 20 



sources, 



- $1,981,608 15 

22.329 16 

71,213 44 

8,685 65 

-.083,836 40 



THAMES AND MERSEY MARINE INSURANCE COMPANY. 401 



Expenditures. 

Cash paid for fire losses, $1,635,845 

Deduct salvage and re-insurance, . . . 46,537 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



81 

88 



$1,589,307 93 

362,520 72 

93,802 89 

49,734 97 

183,197 85 



Fire risks outstanding Dec. 31, 1892, 
Fire risks written during 1893, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$295,206,817 
228,476,565 



1,278,564 36 



Premiums. 

00 $3,205,263 73 
00 2,534,419 27 



$523,683,382 
218,260,005 



00 $5,739,683 00 
00 2,641,087 70 



$305,423,377 
14,378,228 



00 $3,098,595 30 
00 168,285 31 



$291,045,149 00 $2,930,309 99 



Miscellaneous. 
Fire losses incurred during the year, 



. $1,610,419 00 



UNITED STATES BRANCH OF THE "THAMES AND MERSEY 
MARINE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $300,000. 

A. J. MACDONALD, Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $375,000 00 $423,750 00 

Chicago & Northwestern Railroad bonds, . 80,000 00 97,600 00 



$455,000 00 $521,350 00 



Summary of Assets Dec. 31, 1893. 

Stocks and bonds, as per schedule, . . . $521,350 00 

Cash in the office of the company, . . . 605 10 

Cash deposited in bank, 12,612 03 

Premiums in course of collection (gross), . 30,867 00 

Re-insurance, 215 88 

Premiums more than 3 months due, $31 98 

Gross assets, 



$565,650 01 



402 THAMES AND MERSEY MARINE INSURANCE COMPANY. 



Unadmitted. 
Special deposits, 

Cash not in control of trustees, 

Premiums in course of collection in excess of 

unearned premiums, .... 



Balance, 



Liabilities. 



Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

He-insurance, 

Gross liabilities, except capital, 

Surplus as regards policv-holders, . 
Deposit capital, 



Surplus over capital, 



184,750 00 
13,217 13 

7,834 00 



$52,144 00 
23,863 00 

176,007 00 
8,951 00 

$67,056 00 

23,033 00 

736 59 

4,746 27 



Income. 

Marine premiums outstanding Dec. 31, 1892, . $32,297 90 
Same not collected, 432 47 

Net collected, ?3 1,865 43 

Premiums on risks written or renewed, . . 298,933 17 

Total $330,798 60 

Premiums now in course of collection, . . 30,898 98 

Entire premiums collected, .... $299,899 62 
Less re-insurance and return premiums, . . 53,147 94 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Income from all other sources, 

Gross cash income, 

Expenditures. 
Cash pai